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These services offer word processing, resume writing, typing, secretarial and court reporting services to their customers. They may work for businesses who require additional administrative, bookkeeping or payroll support and/or for individuals who need personal career assistance.

General Liability Insurance for Stenographic and Secretarial Services – One liability concern for stenographic and secretarial services are injuries that could occur on-site. Slips/trips/falls hazards can be reduced by a number of common sense practices. Good housekeeping requires visitor areas to be neat and orderly, free of obstructions and debris, defect free floor coverings, and daily vacuuming and sweeping of floor coverings. The personal information of customers must also remain confidential.

Professional Liability (Errors and Omissions) Insurance for Stenographic and Secretarial Services – There is a risk that employees could make errors in the stenographic and secretarial work they offer for clients, which could result in lawsuits if the mistake results in economic damages to the customer.

Business Auto Insurance for Stenographic and Stenography Services – The automobile accident risk depends on the level in which vehicles are used by the business. Some offer shuttle services to and from assignments and interviews for their secretaries and stenographers. Some workers use their own vehicles for business purposes. If so, the business should ensure each driver has a valid license, run regular MVRs and keep vehicles in good condition.

Workers’ Compensation Insurance for Stenographic and Secretarial Services – If employees work only on the premises of the business, injury risks are limited to those caused by repetitive movements and other office tasks. The lifting of file boxes, supplies and/or office furniture could cause back injury to employees of stenographic and secretarial businesses. If workers complete assignments at other businesses, the risk of injury is higher, depending on the type of work being done.

Property Insurance for Stenographic and Secretarial Services – Property loss risks are usually that of an office that offers stenographic and secretarial services. A fire may occur and theft is a possibility if valuable equipment is stored in the office. All data stored on computers and important documents should be copied and stored at a separate location. Off premises computer backups should be maintained on a daily basis for software and data on all computer servers including email and web servers.

Crime Insurance for Stenographic and Secretarial Services – Culprits of crime at these companies are usually the employees. They could steal money from their employer or from a customer if work is required as the customer’s workplace. The company should make sure that regular auditing takes place and that ordering, billing and disbursement activities are handled by different people. Another effective practice for reducing employee dishonesty at stenographic and secretarial services is to pre-screen all potential employees with detailed applications and reference checks.