Why Get Professional Office Insurance? Whether you own an office, lease, or work from a home office, you should protect your business with the appropriate office insurance coverage. Get Free QuoteProfessional Office Insurance Claims Examples Property CoverageIncident: A fire breaks out at your owned office location and spreads overnight. The resulting fire and smoke damage result in $650,000 in damages to the building and equipment. Result: The property coverage on your office insurance policy will pay to repair and rebuild the building as well as replace the equipment. Business Interruption CoverageIncident: A fire breaks out at your owned office location and spreads overnight. On top of the damage to physical property, it requires 12 months to repair the building and install the equipment and furniture. You will need to rent another office space while it is being repaired and it costs you an additional $50,000 for the year. Result: Your business interruption coverage will reimburse you for the extra expenses incurred so that you can continue to run your business without a deficit. Third-Party Bodily InjuryIncident: A client comes to your office for a meeting however has an incident and slips and falls due to a minor spill and poorly lit bathroom. The client decides to sue for injury in the amount of $50,000. Result: Your commercial general liability coverage on your policy will defend you and pay for associated legal fees. Get Free QuoteGet Free QuoteProfessional Office Insurance, Explained Who needs professional office insurance?Professional office insurance is important for any business that works within an office space. Coverage is available for any office whether leased or owned. Some examples of businesses that require this could be: dental offices, doctor’s offices, law offices, accountant’s offices, consultant’s offices, digital marketing agency offices, etc. Why do professional offices need insurance?While it is important to do your best work while you perform any professional service, it is equally important to make sure where you do that work is appropriately protected. From fire to slip and falls, it is important to protect your business from the realities of day to day risks that can happen at any office. What does office insurance cover? Property Coverage – Can be broken down into more specific coverages however in general will insure property and contents that you own. Examples can be tools, equipment, leased/rented equipment, etc. Business Interruption – Protects your business from financial instability by covering lost income in the event of a covered loss. Commercial General Liability – Protects you against third party claims of property damage or bodily injury that may occur at a job site or your own location Products & Completed Operations Liability – Protects you against third party claims of property damage or bodily injury that may occur after you have already completed your project or service. Professional Liability – Protects you against third party claims of professional negligence that may occur as a result of your professional services. Full List of Business Insurance Types General Liability InsuranceProfessional Liability InsuranceCommercial Auto InsuranceCommercial Property InsuranceBuilder’s Risk InsuranceWhy Choose Pacific Insurance? Our staff are trained Registered Insurance Brokers of Ontario (RIBO) which is the self-regulatory body for insurance brokers in Ontario. We have been regularly featured in the media as insurance experts and asked to speak at events like the ‘CRV Radio International’. 1 on 1 Service Speak directly with an expert instead of dealing with a faceless call centre. 40+ Years in Business We provide the results of a large agency while giving you the agility and service level of a boutique agency Fluent in Many Languages Speak to our brokers in English, Cantonese, Mandarin, French, Korean, or Hebrew. Get Free QuoteGet Free QuotePartnerships with over 50 leading Canadian insurance providers Pacific Insurance Reviews I was having trouble insuring my Muskoka cottage because my primary location was in the United States. I contacted Pacific Insurance and they were able to save me over 30% on my premium and get my cottage insured properly on very short notice.– Dimitri BToronto, ONHome InsuranceI have been with Pacific Insurance for over 27 years and we have a longstanding relationship. They always stay up to date with my family’s insurance needs and keep me informed.– Eva LMarkham, ONLife Insurance Pacific Insurance is amazing! Their service to get my home Insurance set up was extremely quick and efficient! Samantha helped me out and was very sweet. I highly recommend going to them for a no stress experience!– Chanakya UToronto, ONHome InsuranceWe’ve been using Pacific Insurance for years. They provide insurance for all our locations. They’re really great to deal with, even when we leave things to the last minute and need them to finalize same day coverage. Great people!– Natalie GToronto, ONOffice InsuranceFound Pacific Insurance searching for car insurance. I called in and spoke with Alice. She was very polite and knowledgeable. She provided me with professional advice on what types of coverages would best fit for me. I would highly recommend this brokerage. It was a pleasure to deal with their team. – Alex PToronto, ONAuto Insurance