Business Owners Policy (BOP)

What is a Business Owner’s Policy?

A Business Owner’s Policy (BOP) for a small business combines general liability insurance and property insurance into a single business insurance policy.

Many business owners purchase and customize a BOP as a first step when insuring their businesses so they are protected right from the start.

Many insurance companies offer BOPs but, of course, they vary in coverage and exclusions.

We can help you understand the options that meet your needs.

Benefits of a Business Owner’s Policy

A Business Owner’s policy will protect your business from another person or business’s claims of bodily injury, personal injury, medical costs, and property damage. It will also cover damage to your own property plus other coverages that may be important to you.

Like any insurance policy, the BOP covers many causes of loss.  Exceptions and limitations are shown clearly in the BOP, and we are happy to explain them to you.

You can tailor your BOP to meet your unique business needs by adding options like data breach protection, equipment breakdown, and personal and advertising injury, among other possibilities.

BOPs can also be customized to the size of your business, industry, location, the amount of property coverage you may need, and the liability limits with which you will feel comfortable.

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