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Business-Owners Policy Insurance

Combine protection to cover all important property and liability risk as a package. A Business-Owners Policy (BOP) is highly recommended for small businesses as it is an affordable way to protect all the major aspects of your company.

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The Basics of a Business-Owner’s Policy

Combine protection to cover all important property and liability risk as a package. A Business-Owners Policy (BOP) is highly recommended for small businesses as it is an affordable way to protect all the major aspects of your company.

Since a BOP combines both property and liability coverage, your business stays covered when you experience property damage, suspended operations, lawsuits as a result of bodily injury or property damage to other individuals and more.

BOPs do not include professional liability, auto coverage, worker’s compensation or health and disability coverage. Businesses would need to purchase all these types of plans separately.

Who Should Have a Business Owner’s Policy?

Those who qualify under any of the following should obtain BOP coverage:

  • You have a business with a physical location (your own home or rented/owned office, store or any building).
  • There’s a chance you could be sued for anything on your property. (i.e. a customer becomes injured in your store)
  • You have property that can be stolen or damaged. This type of property includes anything in the office such as computers, customer files, furniture, etc.

Overall, having a BOP is a smart and convenient choice for small businesses that want to ensure a solid base of coverage at an affordable rate.

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