Insurance for Offices

DRickard Insurance likes to create policies for professional offices. These may be located in a home or an office building, or sometimes both. You may be surprised to read that in some cases you may get this valuable coverage starting at $175 a year! Each situation is different so it is always best to contact us at insurance@drickardinsurance.com or 607-843-8860, so that we can design a policy that is unique to your requests.

How do we construct insurance for your professional office? Most professional offices are tenants of the buildings they are in. Therefore a starter policy would look something like this:

• Contents Coverage

• Loss of Use Coverage

• Liability Coverage

• Medical Reimbursement Coverage

Usually there are some additional coverage forms that you would add to your policy. Many times a small office may be insured in this way for $250 to $350 dollars a year.

Usually additional insurance will be needed such as professional liability coverage otherwise known as Errors and Omissions Insurance (E&O) or Malpractice Insurance.

If you own the building you will need insurance protection for that.

With employees you will need the state and federally required insurance.

Company cars may be a concern.

Are you a not-for-profit or a company? You should protect your board of directors with Directors and Officers (D&O) insurance.

As you can see with each entity comes specific insurance needs. We are happy to help you with all of these that we can. Insurance can be complicated, let us help simplify it for you. With the follow products available to you.

• Building Insurance

• Business Personal Property Insurance

• Loss of Use or Income Insurance

• Additional Expense Insurance

• Bodily Injury Insurance

• Personal Injury Insurance

• Medical Reimbursement Insurance

• Professional Liability Insurance

• Auto Insurance

• Workers Compensation Insurance

• New York State Disability Insurance

• Employee Benefits

• And many more customized insurance products.

Please challenge us by giving us all of your insurance concerns.