Office Package

Your operations are processed out of an office and while it may not be a revolving door, you rely heavily on its contents to provide the best service in an efficient way. You also need business interruption coverage in the event of a disaster-related shutdown, be it partial or total, which would cover losses stemming from the disaster, but also help you cover the expenses pertaining to repair, renovation and retooling.

  • Commercial general liability coverage against bodily injury of a third party and damage to others’ property
  • It may not exclusively include:
  • Personal injury : libel or slander, false arrest and malicious prosecution, wrongful entry
  • Medical payments
  • Tenant’s legal liability
  • Employer’s liability
  • Non-owned automobile
  • Office contents coverage against physical loss or damage : equipment, tools and upgrades
  • Physical loss or damage due to earthquake or flood are usually add-ons
  • Business interruption coverage as a result of a fire, water damage, break-ins and other accidents that may leave you no choice but to temporarily shut down the premises and the operations
  • Regular operating expenses that still have to be paid such as utilities
  • Expenses pertaining to operating in a temporary location
Office Package

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