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.

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Ineligible Office Risks

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Please note we cannot offer coverage to the following:

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• 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

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Available Coverage for Office Risks

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• 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 business owners 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

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Coverage Limits Available for Office Risks

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• 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)

  

 

Claim Example for Office Risks

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Property: One weekend night , vandals climbed onto the roof of the building and used a sledgehammer to damage the heating and air-conditioning unit. Damage was also done to the roof of the building where the heating and air conditioning units were located. Later that week the local police apprehended some juveniles who had vandalized the insured’s building and some other businesses in the area.

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General Liability: A patient in a physician's office was injured when the chair upon which they were seated collapsed. The claimant suffered a sprained arm which resulted in a claim payment of $2,500.

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Equipment Breakdown: A power surge caused damage to office phone equipment, making them inoperable. This resulted in a loss of business for two days.

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Employment Practices Liability: An employee who desired to e-mail a pornographic joke to only a single recipient accidentally pressed the wrong button, sending the off-color joke to the company's entire workforce. The employer made the employee send a follow-up email apologizing to the workforce. Two months later, during a company downsizing, an employee sued for a hostile work environment and used the e-mail as evidence.

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A group of employees would end their day by gathering around a fellow employees desk to look at the latest daily swimsuit model at a new website featuring bikini styles. A female employee stopped by during one of these gatherings and noticed the pictures. She then returned to her cubicle on the other side of the room. Although she never saw the photos after that day, she would see the employees gather around the desk each day and hear off-color remarks in relation to the photos. She later sued the company for a hostile work environment.

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You must be an appointed USASIA Insurance Services retailer to use these programs. Quotes obtained via these programs will only be bound IF you are a previously appointed retailer with USASIA. PRIOR TO BINDING, check with your branch to determine any and all applicable taxes and fees. If you need additional pricing considerations on any web quote received via these programs or if your submission is declined, please call your USASIA representative.