Office Packages & Retail

St. Andrews Insurance provides all-in-one protection for people who operate their business from an office including medical & health, financial services, professionals, consultants, property services and administrative services.

We also have specially designed home and contents policies that fully protect home-based offices, which are perfect for the work from home psychologist, bookkeeper, accountant, beauty or massage therapist.

What does an office insurance policy include? It consists of 10 individual covers which you can tailor according to your own business insurance needs. Types of office cover include:

  • Property damage (includes accidental damage)
  • Business Interruption
  • Theft of money
  • Glass breakage
  • Broadform Liability
  • Employee Dishonesty
  • Machinery Breakdown
  • Computers & Electronic Equipment
  • General Property (tools of trade or professional equipment)

Retail Insurance Package

You have worked hard to build your business, and you should protect it with superior commercial insurance. St. Andrews Insurance offers many fine Retail Business Owners policies through some of the finest insurance carriers in the industry. A Retail Package combines the property and liability coverage you need with a competitive price you can afford.

The Retail Package is specifically designed to cover retail operations.

Here are some of the features:

  • Special Cause of Loss Coverage on your building and contents. That means the policy insures risks of direct physical loss to covered property . . . except for causes of loss listed in the exclusions.
  • Business Income and Extra Expense Protection for your actual loss when your business is interrupted due to a covered claim (up to 12 months).
  • Theft of Money Coverage on premises and off premises. (variable limits offered).
  • Employee Dishonesty Protection. Accounts Receivable and Valuable Papers Coverage.
  • Loss of your Computer System.
  • Peak Season Coverage AUTOMATICALLY increases your contents coverage up to an additional 25% during peak sales periods.
  • Business Liability Coverage of $500,000 or $1,000,000 per occurrence and higher limits are available.

An Umbrella Liability policy can be easily added to your Retail Package to increase your Commercial General Liability limits to $5 million. For a free risk assessment, please contact us by email at [email protected] or by telephone at 1-866-621-6980.