Business Insurance

Business Owners Insurance (BOP)

Building and running a business requires a meaningful investment of time, effort, and resources. Business Owners Insurance is designed to help protect that investment by reducing the financial impact of unexpected events that could otherwise disrupt or threaten your operations.

From property damage and lawsuits to income interruptions caused by unforeseen circumstances, the right coverage helps ensure your business can recover and continue moving forward with confidence.

One Policy. Multiple Protections.

A Business Owners Policy (BOP) combines several essential coverages into one streamlined and cost-effective solution for small to mid-sized businesses. By packaging these coverages together, business owners often benefit from broader protection at a more competitive premium.

A typical BOP may include:

  • Commercial Property Insurance
  • General Liability Insurance
  • Business Income / Business Interruption Coverage

This all-in-one approach simplifies coverage management while providing comprehensive protection.

Designed for Small and Growing Businesses

Business Owners Insurance is well suited for companies with fewer than 100 employees and annual revenues under $5 million. Coverage options are highly customizable, allowing the policy to be tailored to the specific risks and needs of your business—never one-size-fits-all.

Coverage May Help Protect Against

Depending on the policy structure, a Business Owners Policy may help protect your business from:

  • Property damage and loss
  • Equipment breakdown
  • Loss of business income
  • Professional liability exposures
  • Products and completed operations claims
  • Fire legal liability
  • Premises liability claims

Additional endorsements and supplemental coverages are also available to further enhance protection.

Coverage Built Around Your Business

Every business operates differently. Our role is to understand your operations, identify potential exposures, and design a Business Owners Insurance solution that aligns with your goals—providing protection, clarity, and peace of mind.

Contact our office to discuss your business needs and explore coverage options designed to protect what you’ve worked hard to build.

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