Offices & Professional Services

As a professional and a small business owner, you balance two very different roles: delivering services that your customers have come to count on while also managing all the logistics of running a small business. You have unique opportunities—as well as unique risks due to the many hats you wear each day.

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Your Risks, Our Solutions

Coverage for property losses

For fires, natural disasters like hurricanes or tornadoes and more.

Income protection and rental income

To provide coverage if your business is interrupted from something like a major fire.

Coverage for certain utility failures

Coverage is available in many cases of an off-premises utility failure.

Your Risks, Our Solutions

Liability coverage

If you become legally liable for injuries suffered by a customer after something like a slip-and-fall accident at your office.

Employment practices coverage

In the event an employee claims they’ve experienced employment discrimination, wrongful termination and sexual harassment. (Coverage offered by a separate policy.)

Business auto coverage

In case an employee hurt another person or their property while driving a business vehicle. (Coverage offered by a separate policy.)

Your Risks, Our Solutions

Coverage business property at virtual offices

To protect your business property at client’s premises or at an employee’s home office. (Available for purchase as a separate endorsement.)

Electronic data coverage

In case a virus corrupts your computer system.

Data breach coverage

In case you are legally required to notify customers whose credit card information is stolen. (Available for purchase as an additional coverage on select policies.)

Even More Coverage

Here are some of the extra ways that coverage from ERIE goes above and beyond.

Valuable papers

To restore or replace important financial documents, deeds and more.

Accounts receivable

To reproduce or replace accounts receivable records after a fire or some other covered loss.

Sewer and drain backup

To cover a loss caused by water or sewage that backs up through sewers or drains or overflows from a sump pump. (Available for purchase on select policies.)

Employee dishonesty and theft

To protect you against a situation that is hard to detect and often goes on for years.

Peak season coverage

Your inventory is protected with a higher limit on your coverage during peak seasons when there's more of it in stock.

Forgery and alteration

In case someone forges your business checks or fraudulently uses your business's credit or debit card.

Great service is part of the package.


Risk Control

You have access to risk control tools and services to help you identify and reduce common business risks.

Restaurant Server

Specialized Services

You have support from claims and customer service teams that have special training in serving businesses like yours.


Your Local ERIE Agent

Your independent ERIE agent is there for you from quote time to claim time to every time in between.


 If you have to file a claim, you can rest easy knowing that ERIE stands behind its promise of service.  With ERIE, you have claims service that’s: 


Quick to respond

Reimbursement for smaller claims can happen in as little as 48 hours.



ERIE has claims offices throughout its territory, so help is always close by.


What ERIE Customers Have to Say
The best recommendation is a satisfied customer.

Here is what a small business owner had to say about working with ERIE. 

Vet’s Four-Legged Patients Find Cool Relief

Greystone Animal Hospital Raleigh , NC 1 employee

Vet with cat

It was a brutally hot summer day when veterinarian Dr. Barbara Farmer’s air conditioning unit broke in her animal hospital. But just because it was uncomfortable didn’t mean her four-legged patients could wait.

“I ended up buying 10 fans to keep us cool,” she said. “But we really needed our air back. I had surgeries to do.” 

Barbara has counted on her ERIE Agent since she opened her one-doctor practice in 2004. The broken air conditioning unit was her first claim.

“I was looking at $7,000 out of pocket which would have been really difficult for me because I’m a small business owner,” said Barbara. “But, fortunately, I had business coverage and my agent really came through for me. I couldn’t have been any happier with how I was treated."

With ERIE’s help, she was able to quickly get on with her work, including the routine surgical procedures she does on cats and dogs for a local rescue shelter. 

“I tell everyone about my claims experience,” Barbara said. “They all know Erie Insurance took care of me — and their pets.”

Interested in working with someone who understands your business? Then contact a local ERIE agent in your community today.


Let's Talk

Does your office have the same level of protection and service? If not, let’s talk.

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