Office Insurance

If your business uses a professional office, protect it from losses with business office insurance.
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Office Insurance Overview

Office insurance is a form of general liability coverage for office professionals, tailored to helping protect your business against financially devastating losses due to claims of bodily injury, advertising injury, and/or property damage. This protects against unintentional acts, even if there is no basis for the claim.

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Bodily Injury

If your business is held liable for bodily injury including sickness, death, pain and suffering, or other form of bodily injury, your office liability insurance can help cover any expenses you may be responsible for paying.

Personal Injury

If your business offers a marketing service for clients and unintentionally publishes misinformation about a client or their competitor and are sued as a result, your office insurance may help cover any consequential legal expenses, settlement fees, and more.

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Property Damage:

This coverage protects against claims of property damage, as well as claims of loss of use on undamaged property.

Completed Operations:

This coverage offers protection for property damage and bodily injury claims as a result of completed operations.

Professional Liability:

This coverage offers protection for professional businesses offering services and advice for claims of errors and omissions.

Common Endorsements

Because every business operates very differently than the next, sometimes office insurance on its own may not be enough to cover your operations from any and all exposures they face. A D.G. Smith account manager may suggest you include add-on coverage to supplement your existing insurance, such as common endorsements like equipment breakdown, malpractice, and more.

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Depending on where you live it may not be a legal requirement, but it is recommended to protect you and your practice against the lofty cost of lawsuits and legal expenses.

Office insurance varies in cost and there’s no one number to summarize. However, variables such as coverage limits, business size, number of clients, and annual revenue will impact how much your insurance will cost you.

If you are a firm that offers the public a professional service/advice, you may be required to show proof of your professional liability insurance coverage before you can do work.

Depending on the insurance carrier, there may be several options available to you. You will likely be able to purchase between $1,000,000 and $5,000,000 in liability insurance. The amount of coverage you select will depend on the needs of your business and how much you wish to pay for coverage.

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Getting a quote with D.G. Smith has never been easier! Apply for a quote today online, over the phone, or in-person.

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