Offices

This insurance is designed for businesses such as medical, legal, financial and other professional-service offices.

Some of the included coverages for Offices:

Building & Business Personal Property

• Helps replace or repair your building and its contents if it is damaged by a covered loss.

Business Income and Extra Expense

• Covers you in the event your business has to close due to a covered loss.  You will be reimbursed for your actual loss of income and the extra expenses you incur for up to one year.

Business Liability

• Provides protection for damages relating to bodily injury and property damage that arise out of your business; and personal and advertising injury for example, if a competitor of your business complains that an act, advertisement, practice, or comment you or your staff has made has damaged their business.

Computer Coverage

• Covers damage to your computer equipment and the restoration of electronic data that is destroyed or corrupted by a covered loss.

Employee Dishonesty

• Covers dishonest or fraudulent acts committed by your employees.

Employment Practices Liability

• Protects you from claims made alleging injury to your employees due to work-related discrimination, negligent hiring or termination, or harassment.

Money and Securities

• Protects money and securities used in your business if they are stolen, lost or destroyed.

Valuable Papers and Records

• Helps you restore or recreate your valuable documents and records if they are damaged by a covered loss.

Optional coverages are also available to customize your policy to meet your unique needs.

Cyber Liability

• Provides comprehensive data security and privacy coverage that address both first-party losses and third-party liability claims, expert claims handling and breach response services in the event of a suspected breach, and a risk management website which provides information, guidelines and tools to help mitigate risk before a breach occurs.

Money saving discounts for:

• Protective devices for fire or burglar alarms
• Automatic sprinkler systems
• Multiple policies with Merchants Insurance Group

Payment Options