Steve Heald Insurance Agency is Your Professional Office Insurance Expert!!

   

We offer the BEST office package of coverages available!

From very LARGE offices (up to 7 stories) to very SMALL offices we can help you

Here are examples of the types of professional offices we prefer:

• Real Estate Sales
• Mortgage Loans
• Financial Planning
• Tax and CPA Firms
• Bookkeeping
• Property Management
• Attorney & Law Offices
• Private Investigators
• Dental and Orthodonist Offices
• Chiropractic Office
• Doctors Office
• Computer Software
• Architectural Design
• Consulting Office

In addtion to deciding the approprate amount to insured: the building (for those who own their building), tenant improvements, business personal property, and business liability the following coverages below are part of what come included in our 2 business owner packages.  However, we are able to increase many of the limits (marked with an *) if needed.
 

Typical Retail Coverage Summary
Property Coverages	Typical BOP Basic Limits	Typical BOP Enhanced  Limits
Business Income	18 months actual loss sustained	18 months actual loss sustained
Business Income 72-Hour Buyback	Usually enhanced only	Included
Seasonal Automatic Increase - BPP	Additional 25% included	Additional 25% included
Accounts Receivable	$5,000*	$25,000*
Bailee Coverage - Printers	N/A	$25,000*
Bailee Coverage - Dry Cleaners	$100,000*	$200,000*
Bailee Coverage - Repair Shop	$25,000*	$50,000*
Computer Equipment	$10,000*	$25,000*
Arson Conviction Reward	$5,000	$5,000
Fire Department Service Charge	$1,000	$1,000
Fire Extinguisher Recharge	$2,500	$5,000
Increased Cost of Construction	$5,000	$5,000
Mechanical & Equipment Breakdown	Usually enhanced only	Included
Newly Acquired Buildings	$250,000	$250,000
Newly Acquired - BPP	$100,000	$100,000
Outdoor Signs	$2,500*	$7,500*
Personal Property Off Premises	$5,000*	$5,000*
Pollutant Clean-Up & Removal	$10,000*	$10,000*
Premises Boundary	100 feet	1,000 feet
Spoilage Coverage (Food Stores)	$2,500	$25,000
Trees, Shrubs and Plants	$500 / $2,500	$500/ $2,500
Valuable Papers and Records	$5,000*	$25,000*
Crime Coverages	Basic Package Limits	Enhanced Package Limits
Employee Dishonesty	$5,000*	$10,000*
Forgery and Alteration	$2,500	$2,500
Money and Securities - Inside/Outside	$5,000*	$10,000*
Money Orders and Counterfeit Paper Currency	$1,000	$1,000

Let the Steve Heald Insurance Agency help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Professional Office Insurance policyholders.