Question 1

What is workspace insurance?

Accepted Answer

Workspace insurance is a specialized liability insurance designed specifically for flexible workspace tenants. It protects you from liability claims for property damage or bodily injury that may occur in your rented workspace. Unlike traditional business insurance, it's tailored for coworking spaces, private offices, and flexible work environments.

Question 2

What does workspace insurance cover?

Accepted Answer

Our workspace insurance provides:
- General liability coverage (typically $1M per occurrence)
- Property damage protection
- Bodily injury coverage
- Legal defense costs
- Medical payments for injuries on your premises
- Coverage for accidents caused by you or your employees in the workspace

Question 3

How does Proximity Protect benefit landlords?

Accepted Answer

Landlords love Proximity Protect because it:
- Transfers liability risk away from your property
- Ensures all tenants have proper insurance coverage
- Provides instant verification of insurance status
- Reduces your exposure to tenant-related claims
- Streamlines the onboarding process
- Offers bulk management for multiple locations

Many landlords make Proximity Protect a requirement for all flexible workspace tenants.

Question 4

How much does it cost?

Accepted Answer

Proximity Protect offers flexible pricing starting at just $15/month for day passes, $25/month for dedicated desks, and $50/month for private offices. Pricing varies based on your coverage type, location, and policy duration. Get an instant quote online in under 2 minutes.

Question 5

How do I file an insurance claim?

Accepted Answer

Claims are filed **directly with your insurance carrier**, not through Proximity Protect. Proximity is your workspace coverage provider and does not operate a claims department or adjust claims.

**How to file a claim:**

1. **Locate your Certificate of Insurance (COI)** — log in to your tenant dashboard and download it, or find the copy we emailed you when your policy was issued.
2. **Find the carrier's claims contact information on the COI** — including the carrier name, claims phone number, and your policy number.
3. **Contact the carrier directly** to open your claim. They'll guide you through their process, request any supporting documentation, and assign an adjuster.

**What Proximity can help with:** If you can't locate the claims number on your COI, email us at info@proximityprotect.com and we'll point you to the right carrier contact. We cannot open, adjust, or settle claims on your behalf.

Question 6

Do I need insurance if I'm only using a coworking space occasionally?

Accepted Answer

Yes! Even day pass users can benefit from workspace insurance. Many coworking spaces require proof of insurance before allowing access. Our flexible day pass coverage is perfect for occasional users - you only pay for the days you use the space.

Question 7

Can landlords integrate Proximity Protect into their booking system?

Accepted Answer

Absolutely! We offer API integration for booking engines and property management systems. This allows you to offer instant insurance coverage at the point of booking, streamlining the tenant onboarding process. Contact our partnership team to learn about our embedded insurance solutions.

Question 8

How long does coverage last?

Accepted Answer

Coverage options are flexible:
- Daily passes: Single day coverage
- Monthly policies: 30-day renewable coverage
- Annual policies: 12 months of continuous coverage (best value)

All policies automatically renew unless you choose to cancel, ensuring you never have a gap in coverage.

Question 9

Who needs workspace insurance?

Accepted Answer

Anyone renting flexible workspace needs workspace insurance. This includes:
- Freelancers and consultants
- Startups and small businesses
- Remote workers using coworking spaces
- Companies with employees in shared offices
- Anyone required by their landlord to have tenant liability insurance

Question 10

Can I add multiple locations to my policy?

Accepted Answer

Yes! If you work from multiple coworking spaces or flexible workspaces, you can add all locations to a single policy. This is more cost-effective than purchasing separate policies for each location. Contact us to discuss multi-location coverage options.

Question 11

What's the difference between workspace insurance and business insurance?

Accepted Answer

Workspace insurance is specifically designed for flexible workspace tenants and focuses on tenant liability within the workspace. Traditional business insurance is broader and more expensive, often including coverage you don't need as a coworking tenant. Proximity Protect provides exactly what flexible workspace users need at a fraction of the cost.

Question 12

How quickly can I get coverage?

Accepted Answer

Coverage is instant! Once you complete our simple online application and payment, you'll receive your Certificate of Insurance (COI) immediately via email. No waiting period, no paperwork delays. You can be fully insured in under 5 minutes.

Question 13

Can I get a Certificate of Insurance (COI)?

Accepted Answer

Yes! Your Certificate of Insurance is generated instantly upon purchase and emailed to you immediately. You can download it anytime from your account dashboard. If your landlord needs to be listed as an additional insured, we can add that to your certificate at no extra cost.

Question 14

Can I cancel my policy?

Accepted Answer

Yes, you can cancel your policy at any time. If you cancel within the first 30 days, you'll receive a full refund. After 30 days, you'll receive a prorated refund for any unused portion of your policy. Simply log into your account or contact our support team to process your cancellation.

Question 15

Is Proximity Protect available in my state?

Accepted Answer

Yes! Proximity Protect is available in all 50 US states. Our policies are underwritten by AM Best A-rated carriers and comply with state-specific insurance regulations. Whether you're in California, New York, Texas, or anywhere else in the US, we've got you covered.

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