Office Insurance

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Just as you insure your home, if you own or lease office space for your business, you need coverage to protect your business assets.

Office Package Insurance icon

Office package insurance

Whether you operate a one-person office or an office with several floors and hundreds of employees, there are several aspects of your business at risk of financial loss.

These losses are not limited to poor business performance but can also be caused by unexpected damage caused by fire, windstorm, theft, malicious damage to professional errors made in providing the services to the clients. With this in mind, every office, regardless of size or industry, should have some form of office insurance. Without it, you are putting your business at risk for unforeseen losses that could lead to financial ruin.

To protect your business, finding the right office insurance policy is a must to ensure continuity of your enterprise in case of a disaster causing damage to premises or contents.

What is Office Insurance?

Office insurance protects the contents of your office, covers general and tenants legal liability, and can be customized to suit the specific needs of your industry or profession. Many industries require a professional liability or errors and omissions policy in addition to basic office insurance policies.

Examples of businesses that require office insurance include:

  • Accountants and financial service professionals
  • Medical Professionals
  • Contractors
  • Engineering companies and consultants
  • Lawyers
  • Dentists
  • Real Estate Agents
  • Employment Agencies
  • Trucking and Transportation Companies
  • Importers/Exporters
  • Banks, Credit Unions and Other Financial Services
  • And more

All offices, regardless of your business’s nature, should have some form of office insurance. The right office insurance package is customized to protect you and your clients from a long list of potential risks, including:

  • Professional errors
  • Fire
  • Equipment failure
  • Customer property and/or information/records
  • Business interruptions due to accidents
  • Cybercrimes
  • Accidents
  • And more

With the right office package policy, you are covered from common risks to businesses, but more importantly, to the specific risks associated with your industry. Office insurance provides the funds required to remain operational while covering the costs when your company is found legally responsible for damages or injuries caused to third parties due to your negligence.

What Does Office Insurance Cover?

Office insurance coverage protects you from all possible risks. We consider the specifics of your business to recommend what policies to include in your office insurance package, including:

  • Building: Covers damages from fire, theft, vandalism, storms, and other acts of nature.

  • Office equipment: Covers the costs for your equipment and supplies, so you remain operational.

  • General liability: Protects you and your business if you are found legally liable for third party bodily injuries or property damage caused due to your negligence

  • Cyber liability: Offices tend to store sensitive client information requiring protection from potential cybercrimes against you and your clients.

  • Equipment breakdown insurance: If you encounter electrical or mechanical damage, this policy can provide replacements to keep you operational.

  • Business interruption: Many of the above issues can lead to business interruptions and loss of revenue and clients. You can mitigate potential losses and cover expenses to get back to work.

  • Professional liability: Covers losses associated with client claims you failed to provide thorough professional services through errors or omissions in your work. Not all offices require this coverage, and the recommended coverage lines up with the associated cost implications a claim of damages would entail.

Does My Business Need Office Insurance?

Office insurance protects you and your business against losses, and without it, you put your business at risk of financial loss Office insurance is the best way to allow your business to resume operation and continue to serve your clients. You’ll have access to the funds required to pay for any repairs associated with insured damages, whether they are due to fire or other accidents. With the right insurance, you protect not only your finances but your reputation.

How Much is Office Insurance?

Any form of business insurance should be viewed as a worthwhile investment. When your office is not protected, you can encounter long-term financial challenges from which you might not recover. Cost is based on several factors, including:

  • Coverage limits to meet potential losses
  • Building construction and age
  • Location
  • Replacement cost of buildings and equipment
  • Previous claims history

About Our Brokers

Our insurance brokers at Bow Valley Insurance strive to find the right fit for your office insurance needs. We look at all the factors that are associated with your business and match your coverage to ensure you are properly protected. We go beyond considering potential risk by finding extensive coverage in hand with potential savings on your office insurance policy. We assist by:

  • Learning about your business: With details about your business, we can determine what policy will best meet your needs.

  • Quote comparisons: Our brokers explore all possible insurance packages offered by leading insurance providers in Canada to find the best coverage at reasonable rates. Rate comparisons are provided so you can compare apples to apples to make an informed decision.

  • Professional protection: We consider the possible issues that might arise through your services to provide peace of mind through professional liability insurance as required.

  • Considering risk mitigation: For companies that mitigate risk for fires, break-ins, and vandalism, we also offer discounts. This might include installing a monitored alarm or having a fire suppression system in place.

  • Multi-policy discount: When you have a multi-policy insurance package, we can provide better rates without reducing coverage.

Contact Bow Valley Insurance

Bow Valley Insurance offers choices customized for your business’s specific needs, providing the best possible coverage at competitive prices.

Please contact us for a free, no-obligation quote with one of our knowledgeable, experienced insurance specialists at 1-800-332-1308 or contact us here.


Coverage is subject to policy wording, terms, conditions, and deductibles. Protection is limited to the perils, coverage, exclusions, and limits shown on the policy.