Our Office Program is designed to insure businesses whose primary operations are limited to their office space.  The Office exposure for contractors, manufacturers or retailers, etc., should be made part of the commercial policy that insures their business operations.

Property Coverage Includes

• Buildings
• Improvements and Betterments
• Signs
• Office Business Personal Property and Equipment
• Business Income/Extra Expense
• Inland Marine
• Computer Equipment Floaters
• Equipment Breakdown Coverage
• Accounts Receivables and Valuable Papers
• Crime: Employee Dishonesty, Money and Securities

General Liability

• Up to $1MM/$2MM limit (Umbrella/Excess Liability available)
• Separate Professional Liability should be in place for those classes of business with professional exposure
• ACORD application is acceptable

Property and/or General Liability are available on a monoline basis or as a package.

Prohibited Exposures Include

• Businesses with exposures other than the insured office facilities

• Bail Bond Operations (refer to Underwriter)
• Contractors
• Contractor’s Equipment Rental
• Manufacturer’s Representatives