Offices & Professional Services Insurance

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.

Your Risks, Our Solutions

Business Insurance from ERIE Has You Covered

Your Liability

Premises Liability Coverage

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

Coverage for Libel, Slander

For claims of libel, slander, wrongful eviction, violation of the right of privacy and more.

Data Breach Liability Coverage

If you become legally liable because of accidental release of personal or credit card information in your care.(Available for purchase as an additional coverage.)

Your Property and Income

Coverage for Property and Income Loss

For property that is damaged by theft, water damage, fire, lightning, wind, vandalism or other covered perils, as well as funds to rent an alternate space while your business is being repaired.

Coverage for 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 an additional coverage.)

Coverage for Certain Utility Failures

In case an off-premises utility service interruption causes you to lose income because your electricity is out.

Your Employees

Workers’ Compensation Coverage

Protects you in the event an employee suffers an injury or disease arising in the course and the scope of their employment, regardless of negligence on your part. (Available for purchase as a separate policy, not available in Ohio.)

Business Auto Coverage

To protect you, your drivers and your business in many important ways. (Available for purchase as a separate policy.)

Employment Practices Liability

Protection for you and your business in the event an employee claims to have experienced employment discrimination, wrongful termination or sexual harassment. (Available for purchase as an additional coverage.)

EVEN MORE COVERAGE

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

Hired & Nonowned Auto Liability

Covers liability arising from autos you lease, hire, or borrow or autos of your employees being used in connection with your business.^¹

Sewer or Drain Backup

With your Erie Secure Business policy, covers a loss caused by water or sewage that backs up through sewers or drains or overflows from a sump pump.^²

Ordinance or Law

Covers increased costs of complying with building codes which regulate construction and repair of damaged buildings after a covered loss.

DATA BREACH RESPONSE EXPENSES

To notify and assist affected individuals and provide various case management services.¹

Employee Theft

Protects you against employee theft, which is a situation that can be hard to detect.

Earthquake

Covers a loss caused by an earthquake.^²

¹

Available for purchase as an additional coverage on select policies.
²

Available for purchase as an additional coverage.

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.

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.

CLAIMS SERVICE YOU CAN COUNT ON

With ERIE, you have claims service that’s local and quick to respond.

If you have to file a claim, you can rest easy knowing that ERIE stands behind its promise of service. ERIE has claims offices throughout its territory, so help is always close by. Reimbursement for smaller claims can happen in as little as 48 hours.