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Office Liability & Contents Insurance

For commercial offices, this will protect all the physical (non-data) stuff inside your business, including improvements, against fire or break and enters. Your lease may require this coverage.

What is Office Liability & Contents Insurance good for?

Covers your legal liability for bodily injury to a Third Party (other than an employee) or property damage to property of others caused by an occurrence that must take place in the coverage territory and occur within the policy period. Covers your legal liability for personal injury (other than bodily injury) due to a legal obligation arising out or an offense to which this insurance applies. The offence must take place in the coverage territory and occur within the policy period. Covered offences defined in the policy can include but are not limited to:

  • Libel and slander
  • False arrest and malicious prosecution

Who is Office Liability & Contents Insurance for?

Commercial lease holders, offices and home based businesses. This basic but full featured policy is essential for any business wishing to stay protected against 3rd party negligence claims.

Why would I need Office Liability & Contents Insurance?

If you operate your business in a commercial building or even part-time from your home, your home insurance won't cover anything related to your work. Office Liability with property (contents) coverage includes inventory, materials & office equipment when used inside your space.

What does Office Liability & Contents Insurance cover?

  • Cover up to $5,000,000 Liability and up to $1,000,000 Contents
  • Canada and USA territory
  • Medical Payments ($25,000)
  • Tenant's legal liability ($250,000)
  • Non-Owned automobile liability
  • Replacement Cost Contents
  • Extra Expense up to 10% of the sum insured
  • Includes Earthquake, Flood, Sewer backup cover

What does Office Liability & Contents Insurance not cover?

  • Pollution
  • Nuclear Energy Liability
  • Asbestos
  • War
  • Terrorism
  • Fungi and fungal derivatives

What does Office Liability & Contents cost?

Prices vary depending on revenue you earn. For simple operations, $1,000,000 liability can be purchased for as little as $390 for a full year.

Why buy your Office Liability & Contents insurance from InsureCert?

Easy

We’ve made it easier than ever before to complete the purchase and get coverage. How easy? We don’t even need to see equity ownership or financial statements from you.

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Affordable

As a digital company, InsureCert passes the savings for unnecessary administration on to you—for the most competitive price you’ll find anywhere.

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Complete

Protect your startup with the broadest coverage in the industry. You can tailor policies to your needs by choosing your own limit and deductible.

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Human

We provide you with expert answers no matter your question: Reach us 24/7 via phone, email or live chat. You even get a personal account manager to look after you and your insurance needs.

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Still wondering about Office Liability & Contents Insurance?

Here are some real world examples of claims:

The five most common types of Office Insurance losses:

Burglary and theft.
Burglary and theft claims include internal theft by employees as well as break-ins. In fact, 42% of inventory loss in U.S. stores is caused by employee theft.

Water-related damage. Damage from water to businesses can come from snow, flooding, freezing temperatures and burst pipes.

Wind and hail damage. When strong winds and hail damage commercial property, it can be detrimental for not just the business but the property owner as well.

Fire damage. According to the Insurance Institute, a structure fire occurs every 64 seconds. In 2019, structure fires not related to wildfire caused $11.1 billion in property damage.

Customer slips and falls. Slips and falls are a common cause of injuries sustained by customers of small businesses.

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