Offices & Professional Services Insurance

Professional coverage for the businesses keeping Connecticut organized, advised, and moving forward.

If your work happens behind a desk, on a laptop, or in client meetings—you still face real risks. A single client complaint, slip in your office, or cyber issue can put your business and reputation on the line. That’s why service-based businesses need more than just a laptop and a Wi-Fi signal—they need real protection.



At Spectrum Insurance, we help Connecticut’s office-based professionals—from consultants and attorneys to marketing firms and accountants—find the right insurance to protect their people, space, and advice. Whether you're a solo provider or manage a growing team, we’ll tailor your coverage to fit your exact services and risks.

What We Cover for Offices & Service-Based Businesses

• General Liability – Covers customer injuries, property damage, or third-party claims
• Professional Liability (E&O) – Protection from lawsuits related to your advice or service mistakes
• Cyber Liability – Helps in case of data breaches, phishing scams, or client data exposure
• Commercial Property – Covers your office space, equipment, and business contents
• Workers’ Compensation – Required in CT if you have employees—even if they work remote or part-time
• Business Interruption Insurance – Helps replace lost income if you’re forced to close temporarily

Real-World Example: The Misfiled Form

You run a small tax prep firm in Connecticut. A client accuses your team of filing outdated documentation that results in an IRS penalty. Even though the mistake wasn’t yours, they’re threatening legal action.

Thanks to your professional liability coverage, your legal fees and settlement costs are covered—so you can focus on your clients, not your defense.

Why Offices Choose Spectrum

• We understand your business. From consultants and agencies to accountants and attorneys—we insure them all.
• We help simplify risk. We’ll explain the difference between general liability, E&O, and cyber in plain terms.
• We’re Connecticut-based. We get the regional challenges, laws, and clients you work with.
• We keep you protected and professional. From leases to client contracts, we help you meet every insurance requirement.

Let’s Protect the Work You Do Best

You focus on delivering expertise, precision, and results. We’ll make sure you’re protected while doing it.

Start Your Quote Today

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