This product provides a comprehensive bundle of coverages for over 50 specific office classes such as accountants, advertising agencies, answering services, draftsmen, insurance agencies, medical offices, real estate offices, telemarketers, ticket agencies and more.

Ineligible Office Risks
Please note we cannot offer coverage to the following:
  • Franchisor
  • Artisan or general contracting offices
  • Retail or wholesale operations
  • Direct importing of products
  • Physical rehabilitation services
  • Abortion clinics
  • Birthing centers
  • Medical cannabis or research laboratories
  • Risks located in AK, LA or WV

Available Coverage for Office Risks
  • Property
  • General liability
  • Hired and non-owned liability
  • Professional liability
  • Professional liability coverage included at no charge at a sub-limit of $25,000 for many classes
  • Inland marine
  • Equipment breakdown
  • Crime
  • Coverage offered on the businessowners form
  • No general liability deductible
  • Special form available
  • Replacement cost requirement available
  • No coinsurance
  • Business income offered on an actual loss sustained basis
  • Seven coverages offered on a single policy

​Coverage Limits Available for Office Risks
  • Property values up to: $3,000,000 in protection classes 1-8, up to $1,000,000 in protection classes 9-10 and up to $500,000 in coastal zones (excluding wind and hail coverage)
  • General liability up to $1,000,000 occurrence/$2,000,000 aggregate
  • Professional liability up to $25,000/$50,000 (on select classes)
  • Excess general liability or umbrella up to $5,000,000
  • Hired and non-owned auto liability up to $1,000,000 (equal to the general liability occurrence limit, not available in AZ, GA, IL, MS, VT or WI)