What's an Office Package?
An Office Package is a single insurance policy that combines several coverages previously sold separately. Office Package can include general liability, property, auto, and a multitude of other coverages.

Property

What's covered in a property policy?
Property policies separate losses into various types, each with its own conditions and limitations. Personal Property includes the normal contents of your business property. Real Property is permanent property, like a building. Business Interruption covers lost income as a result of a covered peril. Extra Expense reimburses your business for reasonable money spent, over and above normal operating expenses; recover from a covered cause of loss.

Is coverage for Earthquake and Flood included in a standard property policy?
Most policies exclude coverage for earthquake and flood coverage. Separate policies can be obtained for these coverages.

What is Co-Insurance?
Co-insurance is an arrangement by which the policyholder is required to carry insurance equal to a specified percentage of the value of property to receive full payment on a loss.

General Liability

Does the general liability coverage extend to clients’ homes?
Yes, the general liability policy will provide liability protection against bodily injury and tangible property damage suits that result from losses at a client’s home.

What does "personal and advertising injury" mean in general liability insurance coverage?
Personal and advertising injury includes liability to a third party for bodily injury or property damages as a result of things like libel, slander, false arrest, wrongful detention, false imprisonment, which occurs during the policy period.

Automobile

Can I provide primary coverage for my employees/independent contractors driving their own autos for company purposes?
This type of coverage is not standard in a Commercial Auto policy. The policy is designed to provide secondary coverage that will step in when the employee’s/independent contractor’s own policy is insufficient or the company is named in the suit in addition to the employee.

Should my company require my employees/independent contractors to maintain personal auto insurance?
Yes, all employees and independent contractors that drive for company purposes should maintain their own personal auto insurance policy with minimum liability limits of $100,000. Proof should be required annually and kept in the employee’s file.