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A general office refers to an operation where employees fulfill the administrative needs of a company, including financial planning, record keeping, billing, distribution and personnel management. Offices can be as small as one corner of a room or large enough to fill several buildings.

General Liability Insurance for General Offices – The premises liability risks depend on the level of access that customers and the public have to the office. If others are allowed on the premises regularly, there is a risk of on-site injuries occurring if conditions are hazardous. The public may also be at risk if the office does not have adequate security measures in place. Public restrooms that are located inside general office buildings should be kept sanitary and any wet spots should be immediately cleaned with appropriate “Wet Floor” warning signage to help prevent slips and falls.

Professional Liability (Errors and Omissions) Insurance for General Offices – Professional Liability risks depends on the activities taking place in general offices. Most professional companies can be held liable for errors, such as mistakes made by employees in the performance of providing services to others which results in economic damages.

Workers’ Compensation Insurance for General Offices – Workers’ Compensation risks are dependant on the activities being performed by the workers in the office. In general, repetitive motion injuries are a concern for workers who engage in clerical activities. Back injuries may occur in general office environments resulting from the lifting and moving of furniture, file boxes, supplies, equipment, etc. All general office employees should be trained in proper lifting techniques and should ask for help before attempting to move any objects that are heavy or awkward.

Property Insurance for General Offices – Common losses that occur in general offices depend on the size of the office and type of equipment that is stored inside. Usually, a large amount of paper is stored in an office, which can be a fire hazard. Trash should be removed on a daily basis in order to reduce the fire load. Also, cleaning supplies should be stored away from paper products. In addition, overloading a circuit by plugging in too many appliances or machinery can cause a fire. If expensive equipment is stored in the office, theft can be an issue. If materials or equipment is taken out of the offices by employees, there may be a risk of theft or damage during transport.

Crime Insurance for General Offices – As in most operations, there is a risk that employees of general offices could steal money from their employers. The normal precautions are recommended and include countersignature requirements on checks, reconciliations of bank statements by someone who is not authorized to deposit or withdraw, and mandatory vacations for all personnel who pay bills and deposit checks.