As a business owner or owner of an office building, you're dedicated to ensuring your operations are running smoothly - and looking after everyone else. Let us look after your insurance needs. We're here to help protect your property and your legal interests with comprehensive coverage, competitive rates and advice that may help you save money and get discounts.
Office Insurance Policy Coverage
Our Office Insurance program covers property, loss of income, crime, and the unique liability exposures that your office may face.
Office Insurance Program Advantages
Competitive Coverage & Rates
Our Office Insurance Policy coverage has been crafted by experts in the insurance industry that focus on your needs at an affordable price.
Discounts for commercial buildings
We can help save you money on your office insurance policy by offering some valuable loss prevention tips and preventative measures that can earn you a discount.
Did You Know We Provide Certificates of Insurance?
You may be asked to provide proof of coverage from a customer, or for a specific job. Contact your Agent or Broker, and they will help you obtain the proper information required and provide you with an official Certificate of Insurance in a timely manner.
Types of Coverage
- Property Coverages
- Building (if you own the building, we insure the physical structure(s) on the premises)
- Contents (including stock and/or equipment usual to your office)
- Ayr Farmers Mutual’s “Automatic Extensions of Coverage”
Your policy will include 38 extra coverages free of charge for your operations. For the full list of included coverages, click here.
This is unique to our company’s commercial products. The list is about 38 different ‘extra’ coverages that we provide free of charge. - Loss of Income Coverage
If an insured loss causes your office to temporarily shut down, we provide coverage (up to a certain limit) for lost income until repairs are complete.
- Crime Coverage
What if you or one of your employees have a deposit stolen while en-route to the bank? Our policies can provide some coverage for these types of unfortunate events.
- Commercial General Liability Coverages
These coverages are included in your Office Insurance Policy:
Bodily Injury & Property Damage
Coverage for injury or damages caused to others property by your office’s operations, products, and injuries that occur on your office premises.
Personal Injury and Advertising Liability
The financial damages owed and cost to defend you in court when the advertisements or newsletters produced by your company cause others a loss or injury. (e.g., libel or slander)
Medical Payments
The medical-related expenses related to an injury caused to another on your office’s premises (rehabilitation costs, for example).
Tenants Legal Liability
Damages caused to the property of others if you are renting your office location.
Non-Owned Automobile
Can provide coverage for accidents involving the personal vehicles of your employees while using their vehicle for business purposes such as driving to the post office or picking up supplies.
- Other Coverages
These optional coverages may also be of interest to you:
Sewer Backup
Covers loss or damage to the office building and/or contents caused by the sudden and accidental leakage or escape of water from a sewer, septic tank, septic system, floor drain or sump pit.
Earthquake
Covers damages caused by an earthquake to the office building and/or contents (including snow slide, ice slide, and landslide as a result of an earthquake).
Commercial Auto
If you own a vehicle that is primarily used in the operation of your office, you will need to insure that vehicle on a Commercial Auto Policy. A personal automobile policy does not include coverage for business operations.
Insurance That Works As Hard As You
Please contact us and Get Started Today! One of our Agents will work steadfastly to provide you with the information you need. Just shopping around? No problem! Our Agents are happy to help provide you with information, so you can make the best decision—For You.