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OFFICE LAWYER COVERAGE FEATURES
COVERAGE ESPECIALLY FOR LAWYERS
Working hard and developing a practice go hand in hand - you invest your time, money and effort toward keeping your property maintained, encouraging safety among your employees and providing your clients with quality services. That's why it's so important to properly protect your practice.
The Office Accounts is designed especially fro the small to medium sized business, like your law office. Our Office Segment for lawyers allows you to get the coverage you need and the service you deserve at a price you can afford.
Coverage features
Client files and other Valuable Papers and Records
Client files and other Valuable Papers and Records Including the cost to research, replace or restore lost information. Up to $25,000* on and off premises.
Computer Equipment, Data and Media
Included up to Business Personal Property limit, subject to a maximum $50,000*.
Coverage applies worldwide.
Fewer exclusions (artificial electricity, breakdown, and power failure are covered).
Off premises {including transit}, backup data off premises, and newly acquired equipment is covered for up to $25,000.
Interruption of Computer Operations is covered for up to $25,000 *.
Electronic Vandalism is covered for up to $25,000.
Equipment Breakdown
Coverage for equipment breakdown is included within applicable limits.
Expediting Expenses are covered for up to $25,000.
Pollutant cleanup costs are covered for up to $25,000.
Interruption of water, communication, or power supply services is covered (when Business Income and Extra Expense is covered).
Lawyers Endorsement
This endorsement designed specifically for lawyers is available. More than 20 coverage features are enhanced (see chart on the back for more detail on these enhanced features).
*Higher limits are available.
Core coverage highlights
Property Coverage
Covers your Building and Business Personal Property for replacement cost with no coinsurance.
Accounts Receivable covered for up to $25,000*.
Fine Arts
Up to $25,000*.
Coverage applies anywhere in the coverage territory.
The "breakage" limitation does not apply.
Limited exclusions.
Special valuation terms
Business Income and Extra Expense
Included on an Actual Loss Sustained basis for 12 consecutive months for Office Pac!".
Optional for Office Policy, on an Actual Loss Sustained basis for 1 2 consecutive months, up to 50 percent of annual revenues.
Loss due to interruption of Communication Supply Services
(exceeding 24 hours) is covered for up to $25,000 *.
Up to 60 days Extended Business Income.
Newly Acquired Premises up to $250,000.
Includes loss by Civil Authority.
Crime Coverage
Money and Securities are covered within Business Personal Property. Theft of Money and Securities limited to $25,000* for Office Pac Plus.
Employee Dishonesty is covered for up to $25,000*.
Forgery or Alteration is covered for up to $25,000*.
Money Orders and Counterfeit Paper Currency are covered within Business Personal Property.
Theft Damage to Rented Property is covered within Business Personal Property.
General Liability
This covers you against claims resulting from your business operations due to bodily injury and property damage. Automatically includes:
Advertising and Personal Injury
Medical Payments for $5,000 per person.
Damage to Premises Rented to You for up to $300,000*.
Blanket contractual.
Limited worldwide coverage.
Web Endorsement coverage for Web site injury liability (some restrictions apply).
*Higher limits are available.
Coverage |
Without Lawyers Endorsement |
With Lawyers Endorsement |
Accounts Receivable - at the described premises
|
$25,000 |
Current limit increased by $250,000 |
Accounts Receivable - in transit or at a location other than the described premises Business
|
$25,000 |
Current limit increased by $250,000 |
| Business Income - Billable Hours Option |
None |
$10,000 per occurrence |
| Extended Business Income |
60 days from the date operations are resumed |
90 days from the date operations are resumed |
| Business Income and Extra Expense - Dependent Property |
$10,000 |
$25,000 |
| Business Income and Extra Expense - Newly Acquired Premises |
$250,000 |
$500,000 |
| Claim Data Expense |
$5,000 |
$10,000 |
| Computer Equipment/Data/Media - in transit or at a location other than the described premises |
$25,000 |
$50,000 |
| Computer Equipment/Data/Media - Electronic Vandalism |
$25,000 |
$10,000 |
| Computer Fraud |
None |
$50,000 |
| Limited Building Coverage - Tenant Obligation |
None |
$10,000 |
| Newly Acquired or Constructed Property - Business Personal Property |
$250,000 |
$500,000 |
| Ordinance or Law - Tenants Improvements and Betterments |
Not included |
Included |
| Ordinance or Law - Increased Period of Restoration |
$25,000 |
$50,000 |
| Outdoor Trees, Shrubs, Plants and Lawns |
$3,000 |
$5,000 |
| Unauthorized Business Card Use |
None |
$5,000 |
| Utility Services Direct Damage (Water, Power, Communication) |
None |
$2,500 |
| Utility Services Time Element (Water, Power) |
None |
$25,000 (exceeding 24 hours) |
| Valuable Papers and Records on premises; primary coverage for others' valuable papers |
$25,000 |
Current limit increased by $100,000 |
| Valuable Papers and Records off premises |
$25,000 |
Current limit increased by $100,000 |
Popular Options
Hired and Non-Owned Auto Liability
Building Owners Endorsement - enhances coverage in key areas for building owners.
ERISA Welfare and Pension
Hired and Non-Owned Auto Liability
Sewer and Drain Back Up
Liability coverage enhancement - enhances coverage in 15 key areas |
