Help protect your practice with medical office insurance

Medical Office Coverage Form features:

• Property – Protect your business building(s) and other structures, business personal property, and equipment from covered accidental direct physical loss.
• Liability – Provides financial protection against costly claims and lawsuits.
• Loss of Income – Protection in case your operations are suspended due to a covered loss.
• Accounts Receivable – Coverage for loss of monies due to you that are uncollectable because of damage to accounts receivable records.
• Backup of Sewer and Drain – Coverage for accidental direct physical loss to business personal property at your business location caused by a covered back up of sewers and drains inside your building.
• Computer Property – Protect computer equipment used in your business operation.
• Employee Dishonesty – Provides coverage against direct physical loss of business personal property, including money and securities, caused by dishonest acts committed by employees.
• Equipment Breakdown – Helps to protect for mechanical breakdown of covered equipment, such as refrigeration equipment, heating, or air conditioning units.
• Money & Securities – Covers the loss of business money and securities caused by theft, disappearance, or destruction from described premises, a bank or savings institution, while being conveyed by a messenger or armored auto or within the residence of a messenger.
• Spoilage – Coverage for accidental direct physical loss to perishable goods, such as vaccines, caused by mechanical breakdown, power outage, or refrigerant contamination.
  
• Signs – May cover accidental direct physical loss to signs attached to buildings (whether indoor or outdoor) and to outdoor signs not attached to buildings at the described premises owned by you or in your care, custody, or control.
• 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.
• Valuable Papers and Records – Coverage for the costs to research, replace, or restore the lost information on valuable papers and records caused by an insured loss.

Customize your coverage

You may also consider adding any of these coverages to complement your policy:

• Data Compromise and Identity Restoration – Provides coverages that work together to help your business and you get back on track after a data breach occurs or if you, the business owner, becomes a victim of identity theft.
• Hired Auto – Helps to protect for insured's legal liability arising out of the maintenance or use of a hired auto by the insured or insured's employees.
• Ordinance or Law – Covers the loss in value and increased cost due to the enforcement of municipal laws or ordinances regulating the construction or repair of damaged buildings caused by an insured loss.

In addition to your business owners policy, let a local State Farm agent help you customize a plan for your business that can include a Business Auto, Workers' Compensation, business life policies, and surety and fidelity bonds.