Professional Office Insurance

As a business professional, you invested in yourself by gaining additional specialized education and licensure. Your knowledge allows you to provide specific services to your clients. You understand the need for proper insurance protection for your office whether you are a tenant or own your professional office.

We offer a specialty professional office insurance program for a variety of professional services.


  • Annual sales up to $10,000,000 per location
  • Building and business personal property up to $10,000,000 per location

Eligible operations:

professional office insurance
  • Accounting Services
  • Advertising and Related Services
  • Attorney’s / Lawyer’s Office
  • Auditing Services
  • Blueprinting Services
  • Bookkeeping Services
  • Counseling Services
  • Drafting Services (no construction supervision or general contracting)
  • Employment Agencies – recruiting only
  • Graphic Art and Design
  • Insurance Agents
  • Landscape Architectural Offices
  • Medical Offices – Chiropractors
  • Medical Offices – Dentists
  • Medical Offices – Nutritionists/Dieticians
  • Medical Offices – Ophthalmologists
  • Medical Offices – Optometrists
  • Medical Offices – Osteopaths
  • Medical Offices – Physicians
  • Mortgage Loan Brokers
  • Mutual Funds and Securities Brokers (including Financial Planners & Investment Advisors)
  • Office – Administrative Services
  • Payroll Accounting Services
  • Professional and Trade Associations
  • Speech Therapists and Audiologists
  • Tax Preparation Services
  • Ticket Agencies – Sports and Entertainment
  • Title Agents
  • Travel Agencies
  • Veterinary Services
  • Word Processing, Typing or Telephone Answering Service
Protect your business with these Property / Casualty insurance coverages:

  • General Liability
  • Damage to the property of others
  • Employment Practices Liability
  • Property
  • Crime
  • Inland Marine
  • Auto
  • Umbrella
Standard Property Coverages:

  • Actual Loss Sustained Business Income for up to 12 months
  • Business Income from Dependent Properties – $5,000 included with higher limits available
  • Equipment Breakdown including breakdown of computer equipment
  • Peak Season – 25% of Business Personal Property Limit
  • Newly Acquired or Constructed Property – $250,000 Building, $100,000 Business Personal Property
  • Removal of Insurance-to-Value Provision – no coinsurance

Optional Property Coverages:

      • Blanket Insurance
      • Business Income – Extended Period of Indemnity
      • Extended Replacement Cost Valuation – Building
      • Ordinance Or Law
      • Outdoor Signs
      • Utility Services – Direct Damage and Time Element
      • Water Backup from Sewers or Drains
      • CyberOne
        • Insures for events that damage or degrade insured’s data and systems
        • Pays defense and liability costs for an insured’s systems security failure, including the breach of third party business information
      • Data Compromise
        • Insures data breach, theft, or unauthorized disclosure of personal information
        • Helps insured to be compliant with breach notification laws and requirements
        • Offers services to affected individuals such as credit monitorings
        • Pays defense and liability costs for actions brought by affected individuals as a result of a breach of personal information
      • TechAdvantage Equipment Breakdown
        • Microelectronics Coverage – when physical damage isn’t detectable but equipment suddenly stops functioning
        • Cloud Computing Service Interruption – waiting period, sublimit and deductible apply
        • Service Interruption Data Restoration – waiting period, sublimit apply
        • Off Premises – Property Damage, Business Income, Extra Expense & Data Restoration Coverage
        • Public Relations Coverage – applies if loss of business income (Sublimit – $5,000)
Standard Liability Coverages:

      • Aggregate Limit of Insurance – 2X occurrence
      • Broadened Named Insured – includes volunteers

Optional Liability Coverages:

      • Aggregate Limit of Insurance by location
      • Electronic Data Liability
      • Employee Benefits Liability
      • Employment Related Practices Liability
      • Increased Products/Completed Operations Aggregate – 3X Occurrence
Included on Inland Marine and Crime Standard Coverages:

      • Accounts Receivable – $25,000 included with higher limits available
      • Computer Hardware and Software included within Business Personal Property
        • Data – up to $10,000 included
        • Interruption of Computer Operations – up to $10,000 included
      • Valuable Papers and Records – $25,000 included with higher limits available

Included crime coverages:

      • Money and Securities – $10,000 on premises and $5,000 off premises with higher limits available
      • Employee Dishonesty – $5,000 with higher limits available
      • Forgery and Alteration – $5,000 with higher limits available

Other Insurance Options available:

    • Electronic Data Processing – Hardware, Software, On- and Off-Site Web Servers and Software, Business Income and Extra Expense, and Interruption of Web Site Coverage
    • Fine Arts
    • Scheduled Property
    • Computer Fraud and Funds Transfer Fraud
    • Umbrella
    • Commercial Auto
    • Workers Compensation

Affordable Insurance Coverage

Our specialty business insurance coverage offers convenient, no interest payment options with flexible payment terms. So it’s easier to manage your bottom line.

Flexible Payment Terms—Pay as little as monthly

Choose the payment option that fits your budget. Because sometimes a smaller monthly payment is easier on you.

  • Annual
  • Semi-annual
  • Quarterly
  • Down payment plus 9 equal payments (10 payments)
  • Monthly (12 payments)

Convenient, No Interest Payment Options

Pick the method that works best for you…

  • Electronic funds transfer—$1 fee per installment
  • Online or by phone—$7 fee per installment
  • Charge to credit card—$7 fee per installment

Prefer to Manage Only One Bill?

Complete coverage may be available for your business insurance needs in one comprehensive insurance package.

Call or email Kevin Morency today and receive a quick turnaround on your quote.

Note: Some payment options may not be available in all states.

Phone or email Kevin Morency to get started on your quote.

Since each professional office is unique, he will discuss your needs and can tailor an affordable business insurance solution that offers peace of mind, yet still deliver a quote quickly.