Recommended Insurance for Offices
Most office packages include property coverage for buildings (when owned), office furnishings and fixtures, and computer equipment, as well as coverage for glass and signs, equipment breakdown, business interruption, and crime—including employee dishonesty, burglary, robbery, funds transfer, and credit card forgery. Additionally, commercial general liability, including advertising liability and cyber loss expense coverage, forms the foundation of any retail insurance package.
Specialized Coverage for Offices
Most office risks should also include Extended Cyber coverage, including social engineering and cyber liability coverage. Depending on the location, sewer backup, flood, and/or earthquake coverage should also be considered. If the owner is a corporation, directors' & officers' liability coverage is also recommended.