Office risks can include just about any type of office from medical to business and more. They have risks associated with property including building and contents, computer equipment. fixtures and furnishings, etc. as well as crime, cyber and general liability risks. Many office settings are not required to provide coverage for injured workers but an insurance package put together by an Ontario West or Bill Blaney Commercial Specialist can pick up this coverage and more.
Recommended Insurance for Offices
Most office packages have property coverage for buildings (when owned) and office furnishings and fixtures as well as computer equipment. glass and signs, Equipment Breakdown, Business Interruption, Crime including Employee Dishonesty, Burglary and Robbery, Funds Transfer and Credit card forgery, Commercial General Liability including Advertising Liability and Cyber Loss Expense coverage form the basis of any Retail insurance package.
Specialized Coverage for Offices
Most office risks should also carry Extended Cyber coverage including Social Engineering and Cyber Liability coverage. Depending on the location Sewer Back up, Flood and/or Earthquake coverage should also be considered. If the owner is a corporation Directors' & Officers' Liability coverage should also be considered.
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