Office machines and carry everything you could possibly need for your home or work office. This includes equipment like printers, copy machines, fax machines, computers and phones. Office supplies include paper, ink, school supplies, pens and other writing utensils, desk accessories, and furniture like computer desks, filing cabinets and computer chairs. Risks for an office equipment and supply store include that of crimes like shoplifting and vandalism, the risk of unforeseen events causing damage, and injuries in the store which could lead to lawsuits. Cover these and other risks with business insurance.
Office machines have many different risks which cause the need for different insurance policies as well. Choose from the following business insurance policies based on your expected risks:
Office Machines and General Liability Insurance
If you purchase just one insurance policy for your office machines, it should be general liability insurance. This type of insurance policy covers all types of liabilities, including damage, loss or injury occurring in your store and as a result of your products or services provided. For example, if a customer is walking through the aisles of your store and a computer accidentally falls off the shelf and onto their foot, the resulting medical costs are covered by general liability insurance. It will also cover completed operations and products liability.
Office Machines Commercial Auto Insurance
You most likely use a vehicle for business errands, and in that case you need business auto insurance as an essential office machines insurance policy. This business insurance policy offers protection if you get into a collision while driving, whether it occurs while picking up supplies, making furniture deliveries to customers, or other types of routine errands. The business auto insurance policy covers bodily injury and damage to property or vehicles involved in the accident.
Unforeseen events like fire, extreme weather or natural disasters could cause severe damage to your business property and contents. To protect your office machine from this type of damage, purchase a business property insurance. The policy will help cover repairs to the building and replacing any items stolen. What happens if a fire breaks out and destroys most of your inventory, especially your pricey electronic products? If you had business property, you could replace the damaged merchandise.