Comprehensive Office Insurance for DC, Maryland, and Virginia
Expertise is Your Product.
Trust is Your Currency.
- Professional Liability (Errors & Omissions)
- Cyber Attacks & Data Breaches
- Theft of Computers & Equipment
- Slips, Falls & Premises Liability
- Employee Carpal Tunnel & Ergonomics
- Valuable Papers & Records Loss
Specialized Coverage for Professional Services
Liability Protection
Property & Equipment
Workers’ Compensation
Professional Liability (E&O)
Cyber & Data Breach
Employment Practices
Serving the Capital Region's Professional Sector
We understand the specific regulatory environment for businesses across our region.
- Washington D.C.: Compliance with strict District employment laws and federal contracting insurance requirements.
- Maryland: Coverage for professional establishments from Rockville and Silver Spring to Baltimore.
- Virginia: Tailored policies for Northern Virginia’s growing technology and government contracting hubs.
Frequently Asked Questions
Do I need insurance if I work from a home office?
Yes. Homeowners policies typically exclude business liabilities. If a client slips at your home, or business equipment is stolen, personal insurance likely won't pay. A basic Business Owners Policy (BOP) is usually required.
How is office insurance cost calculated in DC and MD?
Premiums are based on your revenue, the type of professional services you provide (risk level), number of employees, and the amount of sensitive data you handle.
Does my policy cover my employees' laptops if they work remotely?
Standard property policies generally cover property at the "described premises." However, we can add "Off-Premises" coverage or an "Inland Marine" floater to protect company laptops and equipment while your team works from home or travels.
What is the difference between General Liability and Professional Liability?
General Liability covers physical injuries (slips/falls). Professional Liability (E&O) covers financial losses caused by your advice or services. If you give bad advice that costs a client money, you need Professional Liability.
How quickly can I get a Certificate of Insurance (COI) for my landlord?
We understand that lease requirements in DC, MD, and VA can be strict. Once your policy is bound, we can typically issue a Certificate of Insurance (COI) within the same business day so you can sign your lease or open your doors without delay.
Am I covered if a disgruntled client sues me for "negligence"?
Yes, this falls under Professional Liability (Errors & Omissions). It helps cover legal defense fees and settlements if a client claims your work failed to meet professional standards or caused them financial harm.
Do I need Cyber Insurance if I use cloud storage?
Yes. Even if you use the cloud, you are often liable for the breach if it occurred via your credentials or employee error (phishing). You are responsible for notifying your clients and paying for credit monitoring, which Cyber Insurance covers.
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