Office insurance

• Property – Protect your business buildings(s) and other structures, business personal property, and equipment from covered accidental direct physical loss.
• Liability – Helps with financial protection against costly claims and lawsuits.
• Loss of Income – Protection in case your operations are suspended due to a covered loss.
• Accounts Receivable – May cover for loss of monies due to you that are uncollectable because of damage to accounts receivable records.
• Backup of Sewer and Drain – Protection for accidental direct physical loss to business personal property at your business location caused by a covered back up of sewers and drains inside your building.
• Computer Property – Protect computer equipment used in your business operation.
• Employee Dishonesty – Protections against direct physical loss of business personal property, including money and securities, caused by dishonest acts committed by employees.
• Equipment Breakdown – Coverage for mechanical breakdown of covered equipment, such as refrigeration equipment, heating, or air conditioning units.
• Money & Securities – Covers the loss of business money and securities caused by theft, disappearance, or destruction from described premises, a bank or savings institution, while being conveyed by a messenger or armored auto or within the residence of a messenger.
• Seasonal Increase – Provides additional coverage on your business personal property in peak seasons.
• Signs – May cover accidental direct physical loss to signs attached to buildings (whether indoor or outdoor) and to outdoor signs not attached to buildings at the described premises owned by you or in your care, custody, or control.
• Utility Interruption – Coverage for loss of income caused by the necessary suspension of your business due to failure of communications, water, natural gas, or electrical service to the premises.
• Valued Papers and Records – Coverage for the costs to research, replace, or restore the lost information on valuable papers and records caused by an insured loss.

Customize your coverage

You may also consider adding any of these coverages to complement your policy:

• Data Compromise and Identity Restoration – Provides coverages that work together to help your business and you get back on track after a data breach occurs or if you, the business owner, becomes a victim of identity theft.
• Hired Auto – Helps to protect for insured's legal liability arising out of the maintenance or use of a hired auto by the insured or insured's employees.
• Ordinance or Law – Covers the loss in value and increased cost due to the enforcement of municipal laws or ordinances regulating the construction or repair of damaged buildings caused by an insured loss.
• Spoilage – Coverage for accidental direct physical loss to perishable goods caused by mechanical breakdown, power outage, or refrigerant contamination.

In addition to your business owners policy, let a local State Farm agent help you customize a plan for your business that can include a Business Policy, Workers' Compensation, business life policies, surety and fidelity bonds, and retirement plans.