Key Coverages Included in a BOP:
- Property Insurance:
Covers your business property, including buildings, equipment, inventory, and furniture, against risks like fire, theft, or vandalism.
- General Liability Insurance:
Protects your business from third-party claims of bodily injury, property damage, or advertising mistakes. For example, if a customer is injured on your property or if your product causes damage, this coverage steps in.
- Business Interruption Insurance:
Helps replace lost income if your business is forced to close temporarily due to a covered event, like a natural disaster or fire.
- Professional Liability (Optional):
Sometimes called Errors and Omissions Insurance (E&O), this coverage protects you from claims related to negligence, mistakes, or failure to perform services.
- Equipment Breakdown Coverage (Optional):
Covers the repair or replacement of equipment essential to your business if it breaks down unexpectedly.
- Data Breach Insurance (Optional):
Offers protection if your business is affected by a data breach or cyber attack, covering notification costs, legal fees, and more.
Who Needs a BOP?
A Business Owners Policy is ideal for small businesses that own property or have employees, such as:
- Retail stores
- Offices
- Restaurants
- Service providers
- Contractors
Why Choose Us for Your BOP?
We tailor your Business Owners Policy to fit the unique needs of your business, ensuring you have the right coverage at a competitive price. With access to top-rated insurance carriers, we provide comprehensive protection that grows with your business.
Protect your business with a BOP—simplified coverage that saves you time and money. Let us guide you to the best plan for your needs!