Office Insurance – Serving Illinois

Office risks can be very deceiving. Just because your employees are not working on three story ladders or are driving heavy trucks does not mean you do not have very serious exposures. Working with the correct insurance agent that understands your business can make the difference between being properly covered or not.

For businesses that primarily work in the Office, not only do you have a few large risks, but you also have many smaller risks that need to be addressed. Besides the policies you usually discuss like General Liability and Workers Compensation, we at MKK Insurance present other solutions to problems and risks you may not know exist. Partnering with Mikkelsen, Kelly, & Kipp Insurance allows you to focus on creating a product you are proud of and not worry about many of the potential risks that go along with producing it.

What You Need to Know About Office Insurance

Errors & Omissions Insurance

Also known as E&O, Errors & Omissions Insurance is a coverage for mistakes that get made by you or an employee. If someone forgets to file a motion in court, misreads a real estate contract or accidentally sends the wrong version of a letter to a client, E&O can be your saving grace. Just because controls are in place to avoid these situations doesn’t mean mistakes don’t get made. After all, we are all human. Mikkelsen, Kelly & Kipp Insurance can help to protect your business in cases like this.

Employment Practices Liability

We live in a litigious society. Every day we hear of frivolous lawsuits in our courts. While most of these do not pay anything to the offended party, they still need to be defended in court; which can get expensive. If a former employee claims they were fired because they are a minority or because of their religious beliefs, they can sue your business for discrimination. An Employment Practices Liability policy can protect your business, regardless of how frivolous the claim against you.

Cyber Liability

Are you protected if your computer gets hacked? What if a hacker obtains personal information on your customers? This is one of the newest policies that was not as prevalent just a few years ago. The cost to notify and protect all affected parties can be extremely detrimental to your bottom line. A properly written Cyber Liability policy can help protect against not only these costs but any other judgments levied against you if hackers obtain your clients’ personal information.

Why We Are Different

Our team at MKK Insurance will guide you through the process from current policy review, to billing, to loss prevention to the final annual audit. We do this by offering face to face personal service and open communication. The more we know about you, the more we can help.

We at MKK Insurance also provide access to our network of preferred vendors. We can help connect you with payroll services, health insurance professionals, legal services, comprehensive perpetuation planning services and more.

To learn more about us and our process, contact Mikkelsen, Kelly, & Kipp Insurance Agency for more information. Give us a call at 708-389-6330.