Professional offices might seem like low-risk environments, but the professionals who run them know better. Professional offices are vulnerable to losses from property damage, burglary, employee theft, cyber-attacks, and many other risks. They also face the possibility of a professional negligence lawsuit from a dissatisfied client.
Insurance can help you safe guard your income in times of crisis and mitigate against the threat of a lawsuit. It can also enable you to rebuild after sudden losses from catastrophic events such as fire or water damage. In short, it can provide working professionals like you with a contingency plan if or when you need it.
Coverage for Professional Offices
Blair Insurance is an independent brokerage serving all types of professional offices, including:
- Financial planners
- Property managers
- Healthcare professionals
- Mortgage brokers
- Social service professionals
As for the coverage you’ll need, most professional offices will want some combination of the following:
- Commercial General Liability
- Fine Arts
- Leasehold Improvements
- E.D.P. (Electronic Data Processing equipment)
- Tenants Legal Liability
- Valuable Papers and Records
- Water Damage
- Cyber Liability
- Business Interruption
- Employment Practices Liability
- Professional Liability (Errors and Omissions)
At Blair Insurance we know from over 40 years of experience that all professional offices have different needs. This is why we take the time to discuss your office’s specific exposures and requirements in order to create a custom insurance package for you. We then secure competitive rates on both basic policy coverage and for whatever specialized coverage you require.
The total cost of your insurance package will vary depending on the coverage options you select as well as details such as where your office is located, how many people you employ, and your annual revenue. Our advisors will always give you a reliable quote and explain your options to help you with your decision process.
Leased Office Space
If you are leasing your office space, some of your insurance obligations are dependent on your agreement with your landlord. We will assist you in deciphering the insurance obligations of your lease and, from past experience, will suggest items you may be able to negotiate with the landlord. At Blair Insurance, we take the approach as if we were your business partner and we want to help you thrive in any way we can. We use our expertise and knowledge of our industry to advise you on what you need, and make sure you are getting it for the best price.
Get the Insurance Support You Need from Blair Insurance
With our expert advisors to guide you, you’ll never buy more insurance than you need or be stuck paying penalties because you did not follow your coinsurance clause. We’ll get you the coverage you need, and more importantly, we’ll also make sure you understand why you need it. For instance, you’ll want to purchase Commercial General Liability insurance on an occurrence basis, but your property insurance is best purchased on a replacement cost basis. Few people would know to ask for this arrangement, but it will provide the best return on your insurance investment over time.
These are just some of the many things that Blair Insurance does for clients and why our approach is different to most brokerages. Contact us today to learn more about how we can help you and how you can get better protection for less.