Office Insurance

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Whether you are a doctor, lawyer, accountant, or other professional, it’s important to have the right insurance to cover your needs. The right policy can help protect your office, your property, and yourself.

Insurance “Need to Know’s”

Professional offices have unique needs. You need to protect your property, your employees, and yourself. Here are some common coverages that may apply to your business.

General Liability

 


Commercial General Liability Insurance is coverage for claims of liability you may incur to others. This can include bodily injury or property damage, personal and advertising injury, and the costs of legal defense of such claims. There are extensions and optional coverages available to add on to the Commercial General Liability Policy to tailor it to a specific business’s needs.

Professional Liability

 


Also known as Errors and Omissions (E & O), Professional Liability coverage typically protects against liability claims for losses other than bodily injury or property damage. These are usually monetary claims for damages resulting from the improper rendering or failure to render professional services. While common to doctors, lawyers, architects and engineers, any person or entity offering professional services is at risk of loss from such claims, which in most cases are not covered by a Commercial General Liability Insurance Policy.

Commercial Property

 


Commercial Property Coverage protects both real and personal property from any covered losses. This can include property of others not owned by the business, but in the care of the business. In general, this coverage is for losses that occur on the insured’s premises. There are extensions and optional coverages that can be added to Commercial Property Coverage for individual needs. It is important to let us know about your business personal property and your operations so that we can recommend the best coverage for your business.

Worker’s Compensation

 


Should an employee be injured on a job, while in the course of employment, Worker’s Compensation Insurance helps cover the costs of medical procedures, lost wages, death benefits, and other expenses. It also protects employers, as it is usually an injured employee’s “sole remedy” for losses from an on the job injury.

Employment Practices Liability

 


This coverage affords protection from claims of wrongful termination, sexual harassment, discrimination, and other alleged violations of employee’s rights.

Directors and Officers

 


A type of Management Liability Insurance, these policies afford coverage for monetary claims arising from allegations of mismanagement on the part of a business’s officers or directors.

At Access First Insurance, we understand the unique needs of protecting your office. We can discuss the details of your business to tailor an insurance policy specific to you.

Call us today for your free, no obligation quote and see how much money we can save you. Please contact us right away.