Business Owners Policy

Basic Coverage For Every Small Business

A Business Owners Policy, often referred to as a BOP, is a combination package with basic coverage for medium and small businesses looking to limit their exposures at the most affordable cost possible. Without the specialized risks of large operations, you can cover your business from the cost of catastrophic loss with minimal coverage.

3 Main Types of Coverage for Small Businesses:

  • General liability protection for accidents resulting in bodily injury, property damage, personal injury or advertising injury.
  • Business and owners’ personal property damage protection covering buildings, premises, personal equipment and property.
  • Loss of income protection when accidents or damages interrupt normal business operations.

As necessary, a business owners’ policy may also include:

  • Employment Practices Liability.

  • Catastrophic Health.

  • Identity Theft Insurance.

  • Professional Liability.

  • Environmental Protections.

  • Product Claims.