Customize different business insurance policies and create a comprehensive office package policy.
Policies sold
in the last 6 months
What is an office insurance package?
An office insurance package typically refers to a bundled insurance policy designed to protect businesses from various risks associated with running an office or a similar workspace. This package often combines different types of coverage into a single policy, offering convenience and often cost savings compared to purchasing each policy separately.
Property protection
Covers damage to your office space, equipment, and inventory from events like fire or theft.
Liability coverage
Protects against legal claims for injuries or property damage on your premises.
Business interruption
Helps cover lost income if your office becomes unusable due to a covered event.
Cyber insurance
Guards against cyber-attacks, data breaches, and related liabilities.
Employee protection
Provides workers' compensation for work-related injuries or illnesses.
Ensures peace of mind
Mitigates financial risks and ensures business continuity in unforeseen circumstances.
This package often combines different types of coverage into a single policy, offering convenience and often cost savings compared to purchasing each policy separately. Some common coverages included in an office insurance package might include:
Property Insurance
Covers damage or loss to the physical office space, equipment, furniture, and inventory due to events like fire, theft, vandalism, or natural disasters.
Liability Insurance
Protects against claims of bodily injury or property damage that may occur within the office premises. It may also cover legal fees in case of lawsuits.
Business Interruption Insurance
Helps cover lost income and certain ongoing expenses if the office faces a disruption, such as a fire or natural disaster, that leads to a temporary closure.
Worker's Compensation
Covers medical expenses and lost wages for employees who are injured or become ill while on the job.
Cyber Insurance
Protects against cyber threats like data breaches, hacking, or other cyber incidents that could compromise sensitive information stored on office systems.
Commercial Auto Insurance (if applicable)
Covers vehicles used for business purposes, such as company cars or delivery vehicles.
Specific Perils Not Covered
Insurance policies may explicitly mention certain perils or events that are not covered. For example, some policies might exclude coverage for damages caused by earthquakes or floods unless specifically added through endorsements.
Deliberate Acts
Damage caused intentionally by the insured or deliberate violations of the law might be excluded from coverage.
Wear and Tear
Normal wear and tear or gradual deterioration of property or equipment might not be covered under the policy.
Losses Beyond Policy Limits
If the losses exceed the coverage limits specified in the policy, the excess amount may not be covered.
Unauthorized Actions
Damages resulting from unauthorized or illegal activities conducted by employees or other individuals might not be covered.
Excluded Property or Equipment
Certain high-value items or specific types of equipment might be excluded unless declared and insured separately or at an additional cost.
Customized policy with best quotes
Pazcare offers office package insurance policies from leading insurers, allowing customers to select their preferred provider and tailor coverage to their needs.
Dedicated point of contact
For personalized guidance, Pazcare assigns dedicated account managers to assist with queries and ensure clarity in selecting and managing burglary insurance policies.
A1 service and support
With round-the-clock customer support, Pazcare guarantees continuous assistance for inquiries, policy-related help, and claims processing, ensuring customers receive ongoing assistance whenever needed.
An office insurance package typically covers various risks associated with running a business office, including property damage, liability claims, business interruption, cyber incidents, workers' compensation, and more. It provides comprehensive protection tailored to business needs.
Office insurance safeguards your business from unexpected events that could disrupt operations or lead to financial losses. It protects assets, provides liability coverage, ensures business continuity, and offers peace of mind against unforeseen risks.
Yes, most office insurance packages offer customization options. You can tailor coverage limits, add specific coverages, or include endorsements to suit your business's unique requirements and risk profile.
The cost of office insurance varies based on factors like the size of your business, coverage needs, location, industry, and selected policy limits. Bundling different coverages in a package often results in cost savings compared to purchasing separate policies.
To file a claim, contact your insurance provider as soon as possible after the incident. They will guide you through the claims process, requiring details of the event, supporting documents, and evidence necessary to assess and process your claim efficiently.
Best pricing for you.
Best claim support for your team.
AICPA SOC 2
.svg)
ISO 27001
.svg)
ISNP
App for employees
Browsing for a Group Insurance Policy?
Find the right business insurance with our expert advice!
