Office Space Insurance
Ensure your business property is fully covered with the right insurance for an office space.
4.9 out of 5 customer review rating and 1.7M+ policies sold
Protect your building and work space with office space insurance.
From the loss of sensitive tenant information to employee injuries, office owners have to be prepared for the potential financial impact from a wide range of risks.
At biBerk, we provide tailored office space insurance coverage—at savings of up to 20%. Whether you need Workers' Compensation, a Business Owners Policy or BOP (sometimes called property & liability insurance), Commercial Auto, Umbrella, or Cyber insurance, just complete a simple form online or speak with our licensed insurance experts to get a fast, free office building insurance quote. Plus, with biBerk, you can purchase a policy, manage it, and report claims online for ultimate convenience.
Who needs office space insurance?
Who needs office space insurance?
Office building insurance like lessor’s risk coverage is important for office building or commercial property owners. Because injuries can occur anywhere, you need a workers’ comp policy for your employees. For property damage, we recommend a Business Owners Policy or BOP (also called property & liability insurance). It also can cover equipment and data recovery costs in the event of an occurrence like a large fire.
Any office owner and commercial building owner need office building insurance, including:
What are the different types of office building insurance?
At biBerk, we offer five types of insurance for office space and buildings for small business owners like you. Depending on the location of your business and other factors, certain types might be better for you than others.
Business Owners Policy
Also called property & liability insurance, a Business Owners Policy (BOP) combines General Liability insurance with coverage for your company’s property. It covers damages and legal costs associated with injury claims to people you don't employ, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. In addition, you'll get protection for the building you own and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage. You can also tailor your BOP with add-ons including Cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
Commercial Auto insurance
If your company owns or leases vehicles, this policy protects your business. This type of insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.
Cyber insurance
This coverage can be purchased as an add-on to a General Liability, Professional Liability, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.
Umbrella insurance
Every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: It can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an Umbrella policy to protect your company.
What does office space insurance cost?
What does office space insurance cost?
Office building insurance rates vary because your insurance cost is calculated based on a number of factors. These include your location, business size, and claims history. Get convenient office insurance quotes online in minutes for all the small business insurance policies you need.
Why biBerk for office space insurance?
We’re the experts when it comes to small business insurance.
Save time.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
Save money.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings along to you - up to 20% less than policies with other insurance companies.
Experienced.
We're part of the Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $62 billion in paid claims in 2023.
