Business Owners Policy
Protect your property and your premises with a single policy. A business owners policy (BOP) is an effective way to combine property and general liability coverage to protect you from common risks like property damage, theft, and third-party injury or property damage claims.
Bundling Works For Businesses, Too.
You’ve heard the phrase “bundle and save.” BOPs do exactly that. They bundle your property and general liability coverage into a single policy that is typically less expensive than purchasing the coverages separately. As a bonus, you get the convenience of a single policy and a single premium.
What A BOP Covers.
General Liability
Protects against claims of third-party bodily injury, property damage, and personal or advertising injuries.
Commercial Property
Covers damage to your business’s physical assets, such as buildings, equipment, and inventory, from events like fire, theft, or natural disasters.
Business Personal Property
This is included within property coverage and specifically protects movable items like furniture, tools, and inventory.
Business Interruption Insurance
Replaces lost income if your business is temporarily unable to operate due to a covered loss.
What A BOP Does Not Cover.
Professional Liability Insurance
Covers claims related to mistakes in professional services.
Workers' Compensation
Covers employee work-related injuries and illnesses.
Commercial Auto Insurance
Covers vehicles used for business purposes.
Health And Disability Insurance
This protection for your workforce is provided under employee benefits.
We can help provide solutions for all these additional coverages.
Request A Business Risk Review.
See what a review of your current insurance coverage uncovers. You may find that you’re adequately protected. You may find otherwise. Either way, you deserve to know for your peace of mind.