What is office insurance / workplace insurance?
Property damage, lawsuits and theft can be devastating for a small business owner. Do you have adequate coverage?
If you lease office space, you’re required to have insurance in place for your office contents, and to protect your business against liability claims. If you work from home as a contractor, your home insurance likely does not cover your home office.
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What’s protected with business insurance?
The Business Office Package
insurance policy covers:
• Office contents
• Computer equipment, including software
• Computer system breakdown
• Hot water tank explosion
• Sewer back-up
• Sign coverage
• Property in transit
• Damage caused by theft
• Valuable papers recreated
• Accounts receivable recreated
• Depositors forgery
• Employee dishonesty
• Inside robbery
• Outside robbery
The liability coverage protects you in case of lawsuits that arise as a result of visitors getting injured on your premises. If you are sued, the policy provides you with a lawyer and pays the court judgment costs if you are found at fault for the injury.