Business insurance to help protect your office
Whether you're an architect, insurance agent or consultant, a State Farm® agent can help you find the right coverages to meet your office’s unique needs.
What is insurance for business offices?
These coverages may help provide protection for all aspects of your small business from property and equipment to employees and liability.
Who might benefit?
Examples of who may benefit from insurance for business offices aren’t limited to the ones listed. Reach out to your State Farm agent to learn more.
Business services
- Accounting services
- Advertising, public relations and market research
- Attorneys
- Brokers
- Employment agencies
- Financial consultants or planners
- Graphic artists, designers or illustrators
- Insurance agents
- Mortgage brokers
- Real estate agents or appraisers
Medical professionals/Facilities (non-hospital)
- Physicians
- Dentists
- Chiropractors
- Opticians
- Optometrists
- Podiatrists
- Psychiatrist and psychologists
- Dental and medical labs
Therapists/Therapies
- Acupuncturists
- Physical/Occupational therapists
What does insurance for business offices cover?
By bringing together the right coverages, you can help safeguard your business office from risks, ranging from destruction to the property housing your business to an employee’s dishonest actions.
Property
Helps protect your business buildings and other structures and business property from covered accidental physical loss
Liability
Helps with financial protection against costly claims and lawsuits
Employee dishonesty
Helps to protect against direct physical loss of business property, including money and securities, caused by dishonest acts committed by employees
Loss of income
Helps offer protection in case your operations are suspended due to a covered loss
Accounts receivable
May cover loss of monies due to you that are uncollectible because of damage to accounts receivable records
Equipment breakdown
Coverage for mechanical breakdown of covered equipment, such as refrigeration equipment and heating or air conditioning units
Coverage in action
A burst pipe in your office ceiling flooded the room below, damaging several critical resources. Coverage for valuable papers and records can help offset the costs of replacing lost information.
How to protect your small business
Business insurance for offices also includes these coverages. Reach out to your local State Farm agent to get a quote.
Valuable papers and records
Coverage for the cost to research, replace, or restore the lost information on valuable papers and records caused by an insured loss
Backup of sewer and drain
Protection for accidental direct physical loss to business property at your location caused by a covered backup of sewers and drains inside your building
Computer property
Protection for computer equipment used in your business operation
Utility interruption
Coverage for loss of income caused by the necessary suspension of your business due to failure of communications, water, natural gas or electrical service to the premises
Frequently asked questions about insurance for business offices
If someone injures themselves while visiting your office or your property is damaged in an extreme wind event, the resulting claims could cost your business tens of thousands of dollars. It’s unlikely that you could afford to pay these costs out of pocket, without putting your business out of business.
With the proper coverage, you may be able to survive calamity. Reach out to your State Farm agent for help identifying coverages to meet your needs.
Professional liability or errors and omissions coverage may be added to your office policy or may need to be a separate policy.
Medical offices may have special needs if they have expensive equipment, such as MRI machines.
Your leasing agent may require proof that you have liability insurance, which is included in business insurance for offices.
Get a local agent who gets you
There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.
Simple Insights®
Looking for ways to help keep your small business running smoothly? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.
Prices are based on rating plans that may vary by state. Coverage options are selected by the customer, and availability and eligibility may vary.
This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.
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