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This form is for Business Owners Policy
We have general liability insurance for all types of businesses
Business Owner's Policy (BOP)
A Business Owner’s Policy (BOP) combines business property and business liability insurance into one convenient policy. A BOP helps cover your business from claims resulting from certain perils such as fire, theft or another covered disasters and from claims involving bodily injury, property damage and personal and advertising injury that could arise from your business’ operations.
Businesses can tailor a Business Owner’s Policy (BOP) to help meet their unique needs by adding optional coverage like data breach, business income for off-premises utility services and other specialized coverage to their BOP.
Do I Need a Business Owner’s Policy for My Business?
You should consider a business owner’s policy if:
It simplifies coverage needs by including business property and business liability, in one policy. These are two important coverages that most businesses need. Compared to purchasing separate policies for business property and business liability, The BOP offers businesses a way to save money while getting broad coverage for things such as fire, theft, lawsuits and loss of income. Businesses with specific needs can tailor their business owner’s policy by adding additional coverage like business income for off-premises utility services, data breach and more, to suit the particular needs of their company. Talk to the professionals at our agency about a BOP policy for your business.
What does a Business Owner’s Policy (BOP) typically include?
A Business Owner’s Policy (BOP) combines business property and business liability insurance into one convenient policy. A BOP helps cover your business from claims resulting from certain perils such as fire, theft or another covered disasters and from claims involving bodily injury, property damage and personal and advertising injury that could arise from your business’ operations.
Businesses can tailor a Business Owner’s Policy (BOP) to help meet their unique needs by adding optional coverage like data breach, business income for off-premises utility services and other specialized coverage to their BOP.
Do I Need a Business Owner’s Policy for My Business?
You should consider a business owner’s policy if:
- Your business has a physical location, whether it’s out of your home or a rented or owned office, store or other work place.
- There’s a possibility of you being sued – for example, by a customer who was injured at your work place.
- You have assets that could be stolen or damaged – whether they’re digital assets, customer data, equipment, furniture, cash or inventory.
It simplifies coverage needs by including business property and business liability, in one policy. These are two important coverages that most businesses need. Compared to purchasing separate policies for business property and business liability, The BOP offers businesses a way to save money while getting broad coverage for things such as fire, theft, lawsuits and loss of income. Businesses with specific needs can tailor their business owner’s policy by adding additional coverage like business income for off-premises utility services, data breach and more, to suit the particular needs of their company. Talk to the professionals at our agency about a BOP policy for your business.
What does a Business Owner’s Policy (BOP) typically include?
- Business Property Insurance
Property insurance can help protect the property your business owns, leases or rents, including things like buildings, equipment, inventory, furniture and fixtures. It provides coverage for loss of accounts receivable and valuable papers and records. - Business Liability Insurance
When it comes to liability protection, the broader the coverage the better. The BOP provides business liability insurance that helps cover your business in the event it is sued for causing harm to a person and/or damage to property. It also helps cover the cost of your defense – because businesses can be sued even if they did nothing wrong. - Business Income Coverage
If unexpected events cause a suspension in your operations resulting from a covered cause of loss, The BOP policy helps replace loss of income to help you meet your continuing financial obligations such as rent or payroll.
