Office Buildings, where the insured does not occupy at least 25% of the building, are not eligible for this program.

For a Single Occupancy Building, the insured must occupy the building as an eligible office. (Refer to the list of eligible occupancies.)

For a Multi-Occupancy Building, the insured must:

• occupy 25% or more of the building as an eligible office, and
• all other tenants of the building must be eligible offices (refer to the list of eligible occupancies) or included in the following list:
• Actuarial Services
• Alumni Associations
• Broadcasters
• Charitable Organizations
• Consulting Services
• Contractors Offices
• Detective, Inspection or Security Services
• Employee Leasing Companies
• Freight Forwarders
• Importing/Exporting Operations
• Internet Service Providers, Web Page Designers, Internet Sales Office or any operation that uses the internet exclusively
• Investment and Financial Services
• Management Consultants
• Manufacturers Representatives
• Not For Profit Organizations
• Sales Offices
• Sales, Service or Consulting Organizations
• Software Development or Computer Programming

The following types of offices are eligible for this program:

• Accountants
• Advertising Agencies
• Answering Services
• Appraisal and Inspection Services
• Architects (not engaged in construction)
• Audio Consultants
• Auditors
• Bookkeepers
• Claim Adjusters
• Court Reporters
• Dentists – See Medical Office
• Doctors – See Medical Office
• Draftsmen
• Engineers
• Fine Art Appraisers
• Graphic Design and Commercial Artists
• Hear Aid Offices
• Insurance Agencies
• Lawyers
• Market Research Firms
• Medical Billing Services
• Mortgage Brokers
• Medical Offices unless operations on the premises include the following:
• Any premises used by ambulance services
• Any short term or long term rehabilitation facilities
• Any premises used for on-call office centers or other offices that are staffed on a twenty-four-hour basis
• Any premises used for inpatient/outpatient surgical procedures
• Any premises that include physical therapy services
• Any premises that include an ambulatory center
• Any premises used for emergency/urgent care
• Holistic health centers
• Opticians
• Optometrists
• Real Estate (office for residential only – no commercial, no real estate management)
• Speech Therapists
• Stenographers
• Tax Preparers
• Title Agents
• Translators
• Travel Agencies (no tours)