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Answering services provide phone support to businesses by answering incoming calls when staff members are not available. Individuals who work for answering services allow incoming calls to be answered by a person, not an answering machine. They may place orders for a company, provide customer service, set appointments or take messages. Answering service workers may work in company call centers or offices or at outside locations.

General Liability Insurance for Answering Services – If customers do not visit the offices of the answering service, premises liability is very light. However, if work takes place at a client’s location, the chance of an on-premise injury occurring is more likely.

Errors and Omissions Insurance for Answering Services – Lawsuits may arise if employees of answering services do not deliver important messages on time or if they deliver inaccurate messages. If the answering service deals with emergency calls such as 9-1-1, police or fire calls, the Errors and Omissions risks are greater.

Workers’ Compensation Insurance for Answering Services – The primary Workers’ Compensation risk is injuries that occur due to repeating the same motions over and over. Eyestrain from looking at computer screens can also be a common occurrence for answering services. Employees should take periodic breaks to help prevent repetitive motion injuries and eyestrain.

Business Auto Insurance for Answering Services – Answering services may use employee owned or rented cars for business purposes, and if so, an automobile accident risk exists.

Property Insurance for Answering Services – The electrical equipment used by answering services may cause a fire if it is not in good condition. All wiring should be regularly inspected for cuts, fraying, and worn out insulation and should be immediately repaired by a licensed electrician. All electrical equipment should be up to date with all older equipment being replaced. Electrical equipment should be grounded and should be connected to power outlets with double insulated wiring. A licensed electrician or other certified equipment vendor should only be allowed to make repairs. Important items that could be lost include accounts receivable information, computers and important documents.