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These establishments can be defined as offices owned or rented by professional businesses or organizations where clerical and administrative activities take place. These offices may be workplaces for large corporations or professional non-profit organizations, and they are generally located in large buildings and exclude home offices and store offices.

General Liability Insurance for Professional Offices – The risk of on-site injuries occurring to third parties depends on whether or not customers have access to the office. If so, property elements such as floors, stairs, elevators, sidewalks and parking lots that are in poor condition can pose a risk. All stairs should be constructed to code and have skid resistant surfaces and sturdy handrails. Third parties may also be at risk if security is not adequate at professional offices.

Errors and Omissions Insurance for Professional Offices – The potential for errors occurring and their impacts on clients depend on the type of business being conducted in professional offices. In general, lawsuits may arise when errors result in economic damages to clients.

Workers’ Compensation Insurance for Professional Offices – The potential for worker injuries depends on the type of activities conducted by workers in a professional office, but in general, injuries are related to repetitive motions. The frequent use of a computer keyboard, computer screen, and computer mouse may result in injuries to the fingers, hands, arms, shoulders, neck, and back.

Property Insurance for Professional Offices – Types of insurance losses to property in professional offices depend on the size of the office and type of equipment stored inside. Fire is a concern in most offices due to the amount of paper that is present. A central station smoke alarm system should be installed as part of a security system. If valuable equipment is stored inside, theft may be a concern.

Crime Insurance for Professional Offices – As is the case with most businesses, dishonest employees have the potential to steal money from their employers. Important controls for professional offices include separating the bank statement reconciliation from the payment or deposit functions.