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For attorneys
The evidence is compelling Res
ipsa loquitur: Our Deluxe Professional Office Program for Attorneys is clearly superior on
many counts to insurance programs offered by other companies. Our package includes the
special coverages you need for your business, plus you can add plenty of optional
coverages and related life insurance protection. The result is a unique business owners
package that is very good for your business.
If you’d like to learn more about this special program, contact an agent in your area. Or, get in touch with our office nearest you.
Consider the weight of evidence based on these exceptional built-in features:
- Replacement cost coverage for legal libraries Unlike most insurance programs,
ours not only includes your legal library under business contents, but pays you
replacement cost rather than actual cash value.
- Valuable papers and records If vital computer files pertaining to clients’
cases are so severely damaged they can’t be retrieved, this coverage pays for
research needed to reconstruct this information. The same coverage applies to damaged
paper records that can’t be copied or transcribed, including valuable copies of
wills, notes, contracts, agreements, real estate transactions, corporate records and other
legal documents.
- Fire legal liability coverage We have broadened this important coverage to
include damage from most causes of loss—including water damage and explosion.
You’re protected, for example, if your water heater ruptures and a building you rent
or an adjoining business gets soaked.
- Off-premises utility coverage If power failure temporarily knocks you out of
business, most programs don’t assist you. We pay for loss of income and extra
expenses you incur after the first 12 hours following the loss.
- Replacement cost coverage for property of others If property in your care is
damaged or destroyed in your office, you’re covered at replacement cost up to your
business property limit. The coverage applies regardless of fault and insures anything
from expensive office equipment you lease to personal property of employees and clients.
- Hired and non-owned auto coverage As an employer, you can be held liable if one
of your full- or part-time employees is negligent while driving his or her vehicle in your
behalf—whether carrying papers to the courthouse or merely going out for sandwiches.
Normally you must buy separate coverage for this exposure. We include it.
Our Deluxe Attorneys Program also includes these important all-around business
coverages:
- Accounts receivable coverage for money you are unable to collect because these
records are destroyed.
- Money and securities for funds that are stolen or destroyed while on or off your
premises.
- Business income and extra expense coverage for up to 12 consecutive months
following a loss.
- Business personal property off premises coverage for all your office equipment
and supplies and other business personal property in transport to and from your office, at
home or at other locations away from your premises.
- Statues, marble, porcelains and other fragile articles
- Glass coverage for damage to exterior or interior glass.
- Outdoor signs
- Sewer/drain backup coverage for damage caused by backed-up sewers or drains.
Of course, our Deluxe Professional Office Program for Attorneys also provides all the
fundamental property and general liability coverages found in standard commercial policies
to protect your building, contents, premises and operations, plus many other
tried-and-true coverages to guard your practice against financial loss.
Optional coverages for your practice
We offer over 35 options to help you customize your attorneys’ program, including:
- Systems breakdown For heating, air conditioning and electrical systems used to
maintain your business.
- CompuPak® Comprehensive coverage to insure your information processing systems
against mechanical breakdown, electrical or magnetic erasure of tapes, sabotage and many
other types of loss. Covers both your hardware and software.
- Group coverages Group term life and short-term or long-term disability coverage
is available to protect—and help you retain—your employees. The cost is
surprisingly low.
- Business continuation This coverage integrates a funded buy/sell agreement into
your plan, protecting the interest of the owners of your practice and the future of your
operations.
- Building ordinance or law coverage To cover increased costs in construction
related to local or federal regulations.
- Employee dishonesty With your choice of limits per occurrence.
- Employee benefits liability coverage To protect you against errors and omissions
in administering your employee plans.
- Low-cost fidelity bond If you provide a qualified pension plan, this is the ideal
way to meet your legal requirements (ERISA) to protect plan participants against theft of
funds.
- Workers compensation Yes, this absolutely essential coverage is available for
your business. Ask your agent for details.
Life insurance to protect you and your practice
We can also handle all of your business life insurance needs. Some examples include:
- Key employee coverage Designed to protect your business upon the loss of a key
employee. Funds can be used to find, hire and train a replacement, as well as compensate
for lost business during the transaction.
- Simplified pension plans Owners of small businesses can turn to either a SEP-IRA
or a Simple IRA to get the benefits of a qualified pension plan without the higher
administrative costs and paperwork hassles.
- Debt protection This coverage can secure the funds needed to pay off a
company’s debt upon the death of an owner, helping the business continue as a viable
entity during this difficult time.
- Non-qualified executive plans A business may want to reward key people in the
organization with such executive plans as deferred compensation, executive bonus and split
dollar coverage. Each plan rewards the executive while tying them more closely to the
continued success of the business.
Your other coverage needs
Harleysville offers a full line of products to cover all of your other business and
personal protection needs:
- Automobile For your business and personal use
- Homeowners Complete coverage for your personal property and liability
needs
- Life Choose from a wide variety of life insurance plans to protect you and your
family
- Excess liability Broader coverage for losses above the limit of your
underlying policies
- Shipmate® Coverage for your boat and liability for protection for you
- And much, much more
Want to know more about our special program for attorneys? Contact an agent in your area, or get in touch with our office nearest you.
Note: These coverages are not available in all states. In the event
there are discrepancies between this information and your policy, the terms of your policy
will govern. Consult your independent insurance agent for more information.
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