Office Insurance from Massachusetts Specialists

Proudly Providing Office Insurance Solutions to Companies in Massachusetts & Many Other Cities and States Across the Nation

What is Office Insurance?

Offices are usually considered to be fairly safe, but running an office isn’t without risk. Essential equipment can break down and interrupt operations, employees can suffer repetitive motion injuries, visitors can fall and become hurt, and burglars can steal equipment or documents. Moreover, these are just some of the many potential risks that offices are exposed to. Office insurance policies help protect office space that Massachusetts businesses have from a variety of risks.

Office insurance is a form of commercial insurance that’s specifically designed to meet the needs of businesses that have offices. Most policies have multiple coverages that work together to offer robust protections. The exact coverages that any one policy has can often be adjusted to meet a particular business’ needs.

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What Coverages Do Office Space Insurance Policies Offer?

Because the coverages in an office space insurance policy can often be adjusted to suit a particular business’ needs, the exact coverages provided can vary from one policy to the next.

Some of the coverages that may be found in an office space insurance policy include:

• Building and Business Personal Property Coverage, which may cover the building a business owns and items kept in the building’s office space
• Business Income and Extra Expense Coverage, which may cover lost income and other expenses if a covered incident forces an office to close
• Business Liability Coverage, which may offer liability coverage for common accidents
• Computer Coverage, which may cover both computers and the data that’s stored on them
• Employee Dishonesty Coverage, which may cover dishonest or fraudulent acts committed by employees
• Money and Security Coverage, which may cover money and securities kept in an office
• Value Papers and Records Coverage, which may cover valuable documents and records that are kept in an office

These are just some of the many coverages that a policy might provide. If needed, a policy might also be able to give a business employment practices liability coverage, fine arts coverage, outdoor sign coverage and storage building coverage.

What Massachusetts Businesses Should Consider Office Space Insurance?

Most businesses in Massachusetts that have an office can benefit from the protections office space insurance affords. A few businesses that may want this type of insurance are:

• Medical and dental practices
• Architectural firms and engineering consultants
• Real estate agents and mortgage brokers
• Legal practices and consultants
• Insurance agents and claims adjusters
• Marketing research firms and advertising agencies
• Appraisers and interpreters