Common Coverages for Commercial Offices
Every business is different, and it’s important to make sure that yours has the custom protection it deserves. Not sure how much or what type of coverage is right for you?
Your American Family Insurance agent is happy to help you build a policy that fits your commercial office space.
Get started by checking out these common coverages.*
Building and business property protection
If your building, inventory or equipment are damaged, our property coverage works hard to help you repair and rebuild quickly, getting you back on track fast.
Business income and extra expense coverage
Should the unexpected occur and cause you to close shop for a while, this will help you cover lost income or extra expenses you might incur during that period.
Important business documentation coverage
Whether printed or electronic, your documents help your business run smoothly. We provide coverages that help repair, replace and restore your electronic data and valuable records.
Business liability coverage
Accidents happen. Liability coverage helps protect you from property damage or personal injury expenses that might arise from the operations of your office.
Commercial umbrella insurance
This coverage picks up where your business liability coverage ends, giving you extra protection against legal, financial or medical incidents that could get your business dream off track.
Employee dishonesty protection
You run an honest business, but not every employee has the same values. Be protected from any losses dishonesty could cause your business with this optional add-on to your policy.
Common Risks and How an Office Insurance Policy Helps
Businesses can face many risks while in operation, so here are a few examples of those risks and how commercial office insurance can help protect you from them.
Employee Theft. You come in to work one day to find the back door unlocked and all the office’s computers missing. Your business’ security camera footage reveals it was one of your employees. Employee dishonesty protection can help cover the losses incurred from such an act.
Office Fire. One of your printers goes on the fritz, sparks and sets a stack of papers ablaze. Your building and
business property coverage can help get you back to work by helping to cover the damage caused by a fire.
Personal Injury. The weather turns to sleet overnight, coating the sidewalk of your property in ice. A customer arrives before you’ve had a chance to salt and slips, injuring themselves. Commercial liability insurance can help cover your legal fees and a settlement, up to your coverage limits, if you’re found at-fault.
Need more details on commercial office insurance? Connect with your American Family Insurance agent to get started building the right insurance policy for your small business.
*These summaries represent only a brief description of select coverages. Coverage features and limits vary by state. Some products are not available in every state.