Purchased by small and mid-sized businesses is the business owners policy (BOP). Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face. A Business Owner’s Policy simply combines business property and business liability insurance into one convenient policy. BOP insurance will help cover your business from claims resulting from:

  • Fire
  • Theft
  • Bodily injury
  • Property Damage
  • Data Breach
  • Explosion
  • Wind Damage
  • Vandalism
  • Smoke Damage

Custom-Made Solutions for Your Small or Midsize Business

You’ve worked hard to build your business. Whether you are the only employee, or you have a growing staff, you want to ensure your company is protected. We have multiple Insurance carriers that offer the coverage you need so you can focus on what matters most to you.

Business Owner’s Policy

A business owner’s policy, or BOP, combines business property and general liability insurance in one policy. A BOP is typically designed for smaller businesses. Companies that work with us can add coverage that will help meet their unique needs.

Liability Insurance

The liability coverage available on a BOP are like those on a general liability policy. This will include protection against liabilities such as:

  • Customer Injury
  • Property Damage
  • Advertising Injury
  • Product Related Claims
  • Copyright Infringement

Commercial Property Insurance

The property coverage available on a BOP policy include coverage for:

  • Commercial Buildings
  • Debris Removal
  • Equipment
  • Inventory
  • Furniture
  • Fixtures

Business Income Insurance

If an unexpected event causes a suspension in your operations resulting from a covered cause of loss, our partners will help replace loss of income to help you continue running your business efficiently. There are many different coverage options that we can enforce to ensure your business is properly covered. A few examples of the extensions offered by our carriers for Business Income Insurance that you can include in your BOP policy include:

  • Business Income Extension for Essential Personnel
  • Business Income Extension for Cloud Service Interruption
  • Business Income Extension for Off Premises Operations
  • Business Income Extension for Off Premises Utility Services
  • Business Income for Dependent Properties
  • Business Income Extension for Electronic Vandalism
  • Extended Business Income