Several factors must be considered when purchasing office equipment. The value of the equipment, the risk of injury, and the potential for theft or damage can all influence the amount of commercial insurance you need.

Assessing Office Equipment Value

When shopping for new office equipment, consider the cost of each item you plan to invest in. Also, determine how frequently you and your employees will use the equipment. Your commercial insurance policy should adequately cover valuable items.

This coverage will enable you to have office equipment repaired or replaced if it is damaged or stolen during ownership.

Considering Potential Risk Factors

Next, consider the risk of damage or injury when using the equipment. For instance, a piece of equipment with sharp blades could threaten injury.

If any of the equipment is potentially dangerous to operate, adding liability coverage to your commercial insurance policy would be beneficial.

This type of commercial insurance will protect you if someone files a civil lawsuit against your business. The coverage may pay for medical bills and legal expenses that you incur.

Protecting Against Criminal Activity

Criminals may target the office equipment you purchase. If you cover the equipment against theft and vandalism, you can have the affected equipment replaced or repaired as needed.

Seeking Additional Support from an Agent

Now is the time to secure insurance coverage for the equipment you plan on purchasing. Contact a representative from the Marla Williams Agency when you’re ready to update your commercial insurance policy. An insurance agent serving Kansas will be happy to assist you with your commercial insurance needs.