Office Insurance



When it comes to insurance for your commercial office, you want your coverage to be anything but small. With a PolicySweet® Business Owners Policy, we’ll make sure your coverage matches your business plan. From General Liability to Workers’ Compensation, each office insurance policy can be customized to help protect your business, clients, and employees.


3 Steps to Get Office Insurance

Own a commercial office business and looking for business insurance? Get personalized coverage in three steps:

Step One

Answer a few questions about your commercial office business.

step Two

Receive a free quote tailored to your business needs.

Step 3

Accept the policy and receive coverage for your business! Isn't that sweet!

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What Does Business Insurance Cover?

Office insurance can cover bodily injury, property damage, and legal costs. Depending on the risk factors associated with your business there are several types of insurance coverages you could choose from, such as:


Business Owners Policy

This 3-in-1 policy combines general liability, business property, and cyber insurance together. It typically is the most cost-effective and convenient way to insure an office. By including all three coverages into one policy, you’ll not only be covered from several risks, but it could save you time from purchasing each coverage separately.

Business Liability

Business liability insurance can provide protection against a variety of incidents including customer injuries, damage to client property, and advertising injuries. It can help cover medical payments and legal fees associated with these incidents.

Learn more about
business liability

Property Coverage

If you are looking to protect your business and its physical assets, property coverage could help pay for repairs or replacement costs for a covered event. It can replace lost income, as well as other costs associated with property damage if it stalls business operations.

Learn more about
property coverage

Cyber

Data breaches and cyberattacks can happen to any business. Having cyber insurance could protect your business if it experiences one of these events. It could also cover costs to hire professionals to determine the cause if sensitive information is lost or stolen.

Learn more about
cyber insurance


Workers' Comp

Workers’ Compensation insurance can provide financial protection for workplace injuries. It can help protect your team by covering medical bills and lost wages while recovering from a work-related injury or illness. It can help facilitate return to work for an injured employee as well. If your business does not have Workers’ Compensation it may be required to pay for injury related expenses out of pocket. Learn more about Workers' Compensation >


HomeHQ

Worried about protecting your home-based business from liabilities? For business located in a home, HomeHQ combines liability, property, and stock insurance into one package. Learn more about HomeHQ >


Types of Offices Insured

Our commercial office business insurance covers the following businesses:


Looking for a different type of business? 

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Want to get a quote with a live agent? Call: 1-800-625-8257


Office Insurance FAQs


Office Business Insurance Articles

7 Workplace Safety Tips to Enhance the Working Environment

Restaurant employees working in a kitchen

Workplace health and safety impacts employees and business owners. If health and safety is a top priority, is it possible to eliminate risks of accidents in the workplace?

Working together, employees and employers can develop and implement workplace safety strategies to reduce the number of safety incidents. Read on for 7 workplace safety tips to help you create a safety strategy for your workplace.

7 Workplace Safety Tips to Enhance the Working Environment

1. Report Accidents or Safety Incidents

OSHA keeps records of the most commonly reported safety citations, employees can be informed on what they are so they can be aware of what to look for. When an employee notices a violation of company safety procedures, they should say something, it could help to create an overall safer working environment.

2. Wear Proper Safety Equipment

Utilizing certain equipment may increase the risk of injury so it is important to protect yourself and ensure employees are following company protocols when it comes to wearing the recommended safety equipment.

If the work environment requires specific shoes to protect your feet, wear them. If you need eye protection, use it. Safety clothing, shoes, or other accessories may feel awkward but are there to protect you.

3. Always Follow Emergency Procedures

Every employee should know the fire escape route(s) so that they can safely evacuate the building in case a fire breaks out. Fire escape routes should be posted on the wall or in a highly visible area for employees to view in case a fire does occur, and employees need to evacuate.

If you work with hazardous materials, you should follow all proper protocols for handling them to reduce the risk of an incident from occurring. Provide employees adequate training and information about hazardous materials and know where hazardous materials are located. You should also label materials especially if they are hazardous.

4. Only Operate Authorized Machines and Tools

Make sure that only employees that are properly trained to utilize tools and machines are the ones utilizing them. One way that could guarantee this is to create an onboarding process to train a new employee when they are hired.

If the new employee intends to utilize certain tools and machines make sure they are properly trained to use it. This will ensure they have the knowledge and skills to use the equipment and it may help to reduce unnecessary accidents.

5. Keep Your Work Area Clean

Being neat and organized could help to keep you safe. A cluttered and messy workplace may lead to avoidable accidents. Properly clean your work areas and put tools or other items used for your job in their place.

6. Take Breaks

Employers give breaks for a reason. Everyone needs them. Taking a break can help to rejuvenate your mind which can keep you more alert. A break can be a healthy way to be a better employee and may help employees feel less stressed while working.

7. Conduct Safety Meetings and Training

Safety meetings and training should be a priority in the workplace. If your employer does not offer them, do not be shy! Volunteer to lead one.

Workplace safety meetings are the perfect environment to discuss safety topics. Providing safety examples at meetings may help to educate and encourage workplace safety. OSHA is also a tremendous resource for all things related to workplace safety.

Aim to host monthly meetings to discuss safety strategies. If employees regularly attend safety meetings and trainings, they can take their knowledge to their workspace and may know what to look out for to avoid potential accidents that could put them or others in danger.

Safety Teamwork

Having a workplace safety strategy for everyone to follow fosters teamwork. It is not the responsibility of one person, but rather a team effort. For each employee and employer that commits to being safe and following the rules, your workplace may be one step closer to a stronger and safer work environment.

If we all work together to make sure we are safe, there is a high likelihood that collectively the workplace will stay safer.

Staying Safe in The Workplace

Following the 7 tips above is a strong start to a successful workplace safety strategy that all can participate in. When everyone follows the safety strategy it may create a safer working environment. However, accidents still happen. Business insurance could help in case an unexpected accident occurs.

At PolicySweet®, we specialize in Business Owners Policy (BOP) and Workers' Compensation coverage. We help employers get the coverage they need to help protect their business and employees.

Got questions about business insurance? Great, because we can answer them and help come up with solutions for your business. Contact us today, we will get you on the right track or complete a quote today.

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