Small Office Business Owners Partner with Utica First to Manage Uncertainty with an Office PAK Policy
Whether a medical practice, an engineering firm, a law office, or an architectural firm, these small office-based businesses have two things in common. They all provide expert professional services that their customers come to rely on, and they all have customers who expect these offices to protect them from the risk of financial harm by having proper insurance coverage in place.
These industries face many risks inherent to their businesses. In order to manage these risks, insurance coverage cannot be looked upon as an option. Doing so adds undue risk for a firm and its customers. This is where a Utica First Office PAK policy comes in. Our expertise is in insurance. We can shoulder the burden of risk so small office business owners can focus on their expertise and taking care of their customers.
Tailored for a myriad of small office-based businesses, our Office PAK policy offers uniquely bundled coverages.
Office PAK
Our Office PAK is the only one on the market to go above and beyond the standard offerings. Our standard coverage and additional coverages (no additional charge) include:
Standard—Unbeatable Bundled Coverages
- Business property insurance
- Helps protect the physical location that the business owns or leases as well as property such as fixtures, equipment, and inventory.
- General liability insurance
- Helps protect the business from the financial costs of property damage, bodily injury, and personal and advertising injury claims made against the business.
- Business income insurance
- Helps replace lost income if business cannot be conducted due to a covered loss like a fire.
Additional Coverages—Bundled Coverages at No Extra Charge
In addition to our Office PAK bundle, we built in the following critical protections at no additional charge to business owners:
- Employment Practices Liability (EPLI)
- Coverage up to $100,000 for claims such as employee wrongful termination, sexual harassment, or discrimination
- Data Compromise
- Coverage up to $25,000 for expense reimbursement due to misuse or loss of employee or company records
- Identity Theft for Office Executives
- Coverage up to $15,000 for fraudulent use of executives’ financial or personal records
Commercial Umbrella Policy
In today’s litigious climate, business owners need enhanced liability protection, and Utica First is here to make that easy. Our commercial umbrella policy provides flexible options to provide customers with the coverage they need—the comprehensive protection of a commercial umbrella.
Utica First can provide an umbrella policy up to $5 million (in $1 million increments).
Learn More
Utica First is known for its long-standing commitment to treating its agents as partners and helping them meet policyholder needs and expectations, like offering both credit card and eCheck payments, and always being available to help you handle questions. If you have small office-based business clients in the states of New York, New Jersey, Connecticut, Florida, Pennsylvania, Ohio, Maryland, Virginia, or Massachusetts, click here to learn more about Office PAK and Umbrella policies.
