Business Owners Insurance
Insurance coverage for small and medium sized businesses.
Business Owners Insurance, also known as "BOP" insurance, is a policy that combines both property and liability coverage into one package.
A Business Owners Policy contains two primary coverages:
Liability - liability coverages available on a BOP are the same as those on a General Lability policy. This includes protection against liabilities like customer injury and property damage, advertising injury, and product related claims.
Property - provides coverage for commercial buildings and tools and equipment owned by and used for the business - referred to as business personal property. It can also pay for other things like debris removal, loss of income and pollution cleanup as part of a covered loss.
Businesses can tailor their Business Owner’s Policy to help meet their unique needs by adding optional coverages, like:
Business income for off-premises utility services
Other specialized policies
A Business Owners Policy is built to cover companies that generally face the same risks. Customizing your BOP Insurance is an important first step when insuring your business. This insures that you have the right. coverage at a great price, as you only pay for what you really need,
Let us help you design a Business Owners Policy or BOP that is tailored to you and the specific needs of your business.