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Business Owner's Policy (BOP) Insurance

Having the right insurance to protect against losses and damages is an important first step. Customizing your BOP Insurance for industry specific needs provides a great solution for businesses of any size, especially small businesses.

Business owners’ insurance protects you from claims that could arise from liability claims and lawsuits, it safeguards your buildings, equipment and inventory, covers you financially if your business unexpectedly shuts down from a covered
loss. It also includes claims related to personal and advertising injury.

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A Business Owner’s Policy (BOP) combines three essential coverages into one business insurance policy.
  • Commercial Property Insurance
     Protects business property that you own, lease, rent, including equipment, buildings, inventory, property in your care.
  • Commercial General Liability Insurance
    Protects from liability lawsuits; causing harm to a person, damage to property, libel/slander, and claims related to advertising.
  • Business Income Insurance
    Protects from loss of income and covered expenses like rent, payroll while your property is being repaired after a covered loss.

Popular optional coverages to customize your Business Owner’s Policy (BOP) are:

Cyber Liability Insurance

Important if your business handles or stores private customer, patient or employee information. It can help pay expenses following a data breach for things like notifying affected individuals, engaging credit monitoring services public relations.

Professional Liability (errors and omissions) Insurance

Can help protect you from claims of negligent acts or errors in your professional services. Some types of businesses may not be eligible for this coverage.

Contact us today for a personalized quote
on a business owner’s policy.

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A Business Owner’s Policy helps small business overcome scenarios that could otherwise be devastating, like:

  • A fire destroys your store, leading you to temporarily shut down your business. Yet, despite being shut down, you still must pay rent and your employees.
  • A pipe bursts and floods your manufacturing floor, damaging business-critical equipment and some inventory.
  • A customer trips over a loose wire while visiting your business, falls and fractures their wrist. They sue you to cover their medical expenses.
  • An employee loses control of a ladder, which damages the wall of a client’s home while performing their work.

Business Owner’s Policy insurance will help keep you protected if your company has:

  • A Physical Location
     Your BOP policy can help cover businesses run out of your home, a rented or owned office, store or garage.
  • Assets That Could Get Stolen or Damaged
    Digital Property, equipment, furniture, cash and inventory are all difficult to repair or replace without the right insurance.
  • Any Chance of a Lawsuit
    If a customer slips and falls at your store, this can help pay their medical expenses and your legal costs.
  • Employees
    Workers can accidentally injure customers or cause property damage. With this policy, you’ll have protection for them and your business.
  • Private Customer Data
    If someone steals or loses personally identifiable information, this can help pay expenses like notifying impacted clients and public relations.

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