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Business Insurance for Office Spaces 

From accountants and lawyers to architects and consultants, professional offices of all kinds rely on us to help protect their businesses.

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COVERAGE AT WESTFIELD 

What Is Commercial Office Insurance?

No two professional offices are the same, which is why we don’t offer a one-size-fits-all insurance policy. Instead, we work with you and your agent to create a mix of coverages and endorsements that meet your needs. Whether you operate from a leased office or a building you own, we provide essential protections like general liability and commercial property insurance, along with extended coverages specific to your industry. 

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HOW IT WORKS

What Does Office Insurance for Professional Services Cover? 

Insurance for professional services and commercial office spaces helps protect against everyday risks that can occur in and around your office — from employee injuries and weather events to contract disputes and data breaches. Just as your clients rely on your expertise, you can trust ours to help you address these risks, giving you peace of mind to focus on what matters most — growing your business and providing exceptional service.

POPULAR COVERAGES

What Coverages Do Professional Services Firms and Commercial Offices Need?

Professional services firms and commercial offices need insurance that safeguards against risks like client disputes, property damage, and cyber threats. Whether you run a law firm, accounting practice, consulting agency, or insurance office, having the right professional services insurance coverage is key.

Our agents can help you determine the right protection for your business, but it’s generally a good idea to start with the essentials, then tailor your coverage to fit your specific operations. Here are some common coverages* for service-based office spaces:

General Liability

Help protect your firm from the financial impact of lawsuits and claims related to client injuries, property damage, and advertising injuries.

Commercial Property

Safeguard your office space — whether leased or owned — as well as essential equipment and other important assets.

Business Interruption

Ensure your business can manage ongoing expenses and maintain cash flow if operations are disrupted due to a covered event.

Commercial Auto

Safeguard the vehicles your employees rely on for client meetings, site visits, and other business-related travel.

Equipment Breakdown

Minimize downtime and costly repairs when critical office equipment fails due to mechanical or electrical issues.

Commercial Umbrella

Gain additional protection that extends beyond the limits of your standard business policy for larger liability risks and exposures.

Workers’ Compensation

Help cover medical care, rehabilitation costs, and lost wages for staff members who are injured on the job.

Crime Insurance

Protect your firm against theft of supplies, equipment, and cash, whether on- or off-site, under certain circumstances. 

Commercial Cyber

Help your firm respond to and recover from cyber-attacks, including data breaches and ransomware attacks.
SURESTEP® BOP

Professional Office Insurance Coverage for Small Businesses 

Many small to midsize commercial offices and professional services firms opt for a business owner’s policy (BOP), which combines essential coverages into one convenient, affordable package. Westfield’s SureStep BOP includes property, business interruption, and general liability insurance, with the option to add industry-specific endorsements and coverages.
Explore Our BOP
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SECTORS WE SERVE

What Types of Businesses Need Office Space Insurance?

Businesses that provide specialized services to clients, such as financial guidance or management consulting, need commercial office insurance. Examples include:

  • Accounting firms
  • Architecture firms
  • Consulting agencies
  • Engineering offices
  • Insurance agencies
  • Law practices
Why Westfield

What Should You Consider When Purchasing Insurance?

When it comes to protecting your business, look for coverage that not only matches your unique needs, but is also backed by a carrier with proven reliability and specialized industry knowledge.

Customizable Coverage

Westfield agents tailor your policy to match the specific needs of your business and budget. 

Financial Strength 

Westfield has been “A” Rated (Excellent) by AM Best for financial strength since 1934.

Industry Experience

Our team of underwriters, risk control consultants, and claims specialists have industry-specific expertise.
COMMERCIAL OFFICE INSURANCE QUOTES

Find an Agent Near You

You work hard to provide quality products and services to your customers. We take a similar approach to insurance, working with independent agents to deliver the best coverage for your business. Contact an agent today for a personalized quote.
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COMMERCIAL OFFICE INSURANCE 

Frequently Asked Questions

Yes, insurance for professional services provides coverage for leased offices. This insurance can help protect against risks such as property damage, client injuries, business interruptions, and more. Your exact coverage depends on your policy.* 

Yes, even online professional services businesses need insurance. While you may not have a physical office, you still face risks like client disputes, data breaches, and professional errors. An independent agent can help you assess what types of coverages you need for your online professional services business.

The cost of your policy is based on several factors, including your industry, business size, number of employees, type of coverage, location, claims history, and coverage limits. To get an accurate estimate, it’s best to request a customized quote from an agent.

*Please review your actual policy language to see applicable coverages, limits, and exclusions.