Professional Office - Heald Insurance

Professional Office Package

Heald Insurance 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 Heald Insurance 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.