Office professionals insurance
Discuss liability for visitors separately from liability arising from advice, designs or professional services. The name of an office package does not prove professional errors and omissions are included.
Business insurance
Office Insurance
Commercial office insurance should match the premises, equipment and services of the business. Office professionals may need to discuss liability for advice as well as physical damage or visitor injuries.
20%
What could a lower premium mean for you?Illustrative example: $2,400 → $1,920 per year is $480 less. Not an available offer. Try your own numbers →
Your workspace. Your business.Review equipment, premises and people
Professional risks deserve a look.Discuss the services your team provides
Live examples
A.M. Fredericks UnderwritingABEX o/b Affiliated Broker Exchange
Allianz Global RisksAmbri AssuranceApril Canada Inc.April MarineArthur J. Gallagher & Co
AVRO Insurance ManagersBeazley Canada LimitedBerkley Insurance CompanyBlueCross BlueShield
Burns & Wilcox CanadaCAA InsuranceCAN - Continental Insurance
Cansure Underwriting LtdCaradoc Townsend MutualChes Special Risk Inc.Chubb InsuranceChutter Underwriting Services
Core Underwriting ServicesDefinityDesjardins Financial Security Investments Inc.
Dominion of Canada/Travelers/Travelers EssentialEagle Underwriting Group Inc.Echelon
Excess Underwriting Corp.Facility Association
Forward InsuranceGlobal Aerospace Underwriting
Great-West LifeGroupAssureGroupOne Insurance
HDI Global Specialty SE
IA Excellence Life Insurance
INGLE International
Intact Public Entities
La CapitaleLiberty International CanadaLynx Insurance UnderwritersMarkel
NorthbridgeOld Republic
Optiom
PAL Insurance Brokers Canada
Premier Canada AssurancePremier MarinePremium Marine
Revolution Advanced Underwriting
SignalSignature Risks
South Western GroupSovereign GeneralSpecial Risk InsuranceSports & Fitness InsuranceSSQ AssuranceStarr Technical RisksStrategic UnderwritingSummit Underwriting Group Inc.The Boiler Inspection and Indemnity Company (BI&I)
The Totten Insurance GroupTrans Canada
TravelersTrinity Underwriting
Unique Risks
Victor Insurance
From Insurance Genie
Recent business insurance purchases
Explore recent policy purchases shared through our participating insurance professionals.
Recent policies will appear here when the Insurance Genie CRM feed is connected.
How Insurance Genie works
Insurance Genie is an insurance request platform, not an insurer or insurance brokerage. Requests may be connected with participating licensed partners. Availability depends on your location, needs and partner eligibility. A request is not a quote or confirmation of coverage.
Space to do your best work
Put your office in the picture.
Bring your premises, equipment and day-to-day activities into the conversation. Explore this guide before discussing office insurance with your broker.
Explore office coverage →Coverage questions for your business
Use these topics to frame a discussion with the licensed professional handling your request. They are questions to review, not a promise that every item is included in a policy.
- Office contents and tenant improvements
- Visitor injury claims
- Professional errors or omissions
- Cyber incidents and confidential information
Information to prepare for a useful request
- Services and client types
- Office ownership or lease
- Equipment replacement values
- Contractual insurance requirements
Describe the full activity, including work away from the main premises and any secondary services. An incomplete description can make two proposals look comparable when they are based on different information.
Compare the wording as well as the price
Ask for the named insured, business description, covered locations, policy limits, deductibles and key exclusions. Check how defence costs, property valuation and any required endorsements are treated. A policy title alone does not tell you what an individual claim would receive.
If a landlord, lender, marketplace or customer has supplied insurance conditions, provide the actual document. Ask the licensed professional to identify requirements the proposed policy does and does not satisfy. A certificate is evidence of stated coverage; it should not be treated as a rewrite of the policy.
Cost and availability
The price depends on the business activity, scale, location, claims history and selected protections. Request a review using your own facts instead of treating a generic industry range as a quote.
Insurance Genie connects requests with participating licensed partners. Products, territories and eligibility vary. Confirm who is handling your request and when any offered coverage would take effect.
Your questions, answered
Office insurance that follows your professional work
Commercial office insurance should address the space, equipment and services of the firm.
Office property and business equipment
List computers, furniture and tenant improvements with replacement values. Explain equipment used away from the premises and any employees working remotely.
Office information and interruption
Describe confidential records, online systems and reliance on outsourced technology. Ask how cyber incidents and a temporary loss of access to the premises would be addressed.
How do I compare office insurance quotes?
Send a description of services, premises details, equipment values and the insurance clauses in your lease or client agreements. Compare the insured professional activities, limits, deductibles and conditions as well as price.
Does office insurance cover leased premises?
Explain which parts of the property you lease and your responsibility for improvements, contents and damage to the space. Check those responsibilities against the proposed commercial office insurance, rather than assuming the landlord covers your business property.
Questions before you request coverage
Does office insurance include professional liability?
Do not assume it does. Ask whether the proposal includes errors and omissions coverage for the specific professional services you provide.
What should I send with my insurance request?
Prepare the activity description, current insurance, recent claims details and any contract requirements. Include the business-specific information listed on this page so the licensed partner can ask relevant follow-up questions.
Does submitting a request mean my business is insured?
No. A request is not a binder, policy or confirmation of coverage. The organization arranging insurance must confirm acceptance, terms and the effective date.
Before making a decision
This page is general information. Ask the licensed professional handling your request to explain the proposed wording, limits, deductibles and exclusions. Coverage must be confirmed by the organization arranging it.
Background reading: Consumer insurance coverage guidance. Content updated September 9, 2026; coverage and availability remain subject to confirmation.
Ready to prepare your request?
Contact us to discuss provider availability and the details needed for a useful conversation.
Explore my optionsMake the details count
Does an office policy protect the business owner’s personal assets?
An Ontario professional office insurance review should consider premises, equipment, professional services and liability. Insurance can address covered claims within its terms, but does not create a separate legal entity or guarantee personal assets are protected from every obligation. Ask a lawyer or accountant about business structure and a licensed insurance professional about coverage. An equipment wholesaler needs a different stock and distribution review from an ordinary office.
Before you compare
Office insurance beyond the desks and computers
Commercial office insurance should reflect the services you provide and the space you occupy. Record tenant improvements, equipment, visitors, remote work and the client information your team handles. An office lease and a professional services contract may ask for different policies.
What information is useful when comparing insurance for office premises?
Prepare the lease, address, floor area, equipment values and business description. Ask about property, general liability, interruption and any policy conditions affecting remote equipment. Review professional liability and cyber questions separately where relevant.
Is a home office included in ordinary home insurance?
Describe the business to both the home insurer and the commercial professional. Customer visits, business equipment, inventory and professional services can require a separate review. The home-based business guide explains which information to prepare.
A practical comparison guide
Separate premises from professional services
List equipment, tenant improvements, records and property taken off-site. Explain remote work, client visits and shared or coworking space. Read the lease for repair, liability and insurance obligations. Identify which legal entity signs client contracts and whether work is performed by employees or independent contractors.
Questions to bring to the discussion
Review premises liability and property cover separately from errors and omissions, cyber incidents and employee dishonesty. Ask about portable computers, data restoration and interruption of operations. A client's financial loss following advice is a different question from a visitor slipping in reception.
Prepare these details
- Services, client industries and contracts
- Office lease and shared-space arrangements
- Equipment and tenant improvement values
- Remote work and portable property
- Data handling, backups and professional obligations
Use current documents. If a detail is uncertain, identify it for the provider instead of guessing.
Your questions, answered
Does general liability cover mistakes in professional advice?
Do not assume it does. Explain the advice, design or professional service you provide and discuss errors and omissions protection. Check exclusions and the relationship between policies so you understand where a claim should be reported.
What affects the terms I can obtain?
Terms depend on the facts supplied, the requested protection and the provider’s assessment. Compare the full annual cost, limits, deductibles and conditions. An illustration or general guide is not a personal quote or confirmation of coverage.
Bring the right details. Get a clearer answer.
Insurance Genie helps you prepare an insurance enquiry. A participating licensed professional must confirm availability and the terms of any proposal. For legal or contractual obligations, obtain advice from the appropriate qualified adviser.
Discuss my requirements →Related guides
Further reading: Insurance Bureau of Canada guidance. Check the current document and your own policy or bond wording. This page is general information, not an issued policy or bond.
Be prepared
Claims scenarios: what happens next?
Hypothetical situations to help you prepare questions—not actual client claims or promises of coverage.
A customer alleges an injury
Scenario: Someone alleges an injury arose from the business operations.
What happens next: Preserve incident records and notify the insurer. Declared activities, liability wording and the facts determine whether a policy responds.
Equipment is damaged
Scenario: Equipment used by the business is damaged or stolen.
What happens next: Document ownership, location and cause. Ask the insurer to review the insured property, exclusions, valuation and deductible.
Operations are interrupted
Scenario: Damage prevents the business from operating normally.
What happens next: Keep revenue and expense records. Business interruption depends on the insured trigger, selected coverage and applicable terms.
Actual outcomes depend on the facts and applicable wording. Read claims guidance · Ask about the next step
