Business Owner's Package (BOP) Insurance
Get all your business insurance needs covered under one Business Owner's Package Insurance policy. We'll get your business covered in the most affordable way.
What is a Business Owner's Package Insurance Policy?
A Business Owner’s Policy is a bundled insurance package designed specifically for small to mid-sized businesses, it combines several key types of coverage into a single, more affordable policy. A Business Owner’s Policy isn’t one-size-fits-all, it can be tailored to match the unique risks and requirements of your business. Depending on your industry, size, and operations, we can add or adjust coverages to ensure your policy provides the right level of protection where you need it most.
What's Covered with a Typical BOP Policy?
A Business Owner’s Policy (BOP) typically includes three types of coverage:
- Property Insurance – Covers buildings and business-owned contents. Policies come in two forms: standard and special, with the special form offering broader protection.
- Business Interruption Insurance – Protects against income loss due to events like fires or other disasters that disrupt operations. It may also cover additional costs of operating from a temporary location.
- General Liability Insurance – Covers your business’s legal responsibility for harm caused to others. This includes bodily injury or property damage resulting from defective products, faulty installations, or errors in the services your business provides.
It’s important to note that BOPs generally do not include flood, professional liability, commercial auto, workers’ compensation, or health and disability insurance. Separate policies are needed to cover professional services, vehicles, and your employees.
Contact us to learn more about the right Business Owners' Package Policy for your business.
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