Business Owners

Business owners face a variety of risks unique to their specific type of business. Choosing appropriate insurance coverage is key to ensuring that the business remains lucrative, especially when any of those risks become reality. A business owners policy (BOP) takes some of the guesswork out of choosing insurance and can make it easier to safeguard your business.  

A BOP bundles several types of coverage in one package, similar to the way a homeowners policy works, but is designed for small and midsized businesses. Not only does it help businesses cover all their risks, but it can also save money.

RISKS GENERALLY COVERED BY A BOP:

• Commercial property insurance—Covers losses to property from common perils. It also covers office equipment, furniture, inventory, machinery, raw materials, computers and anything else that is vital to business operations.
• General liability insurance—Covers a company’s legal responsibility for any harm it may cause to others, up to the policy limit. It also covers attorney fees and medical bills for anyone injured by the company.
• Business interruption insurance—Reimburses for loss of income if a covered disaster interferes with the successful operation of the business.

BOPs do make it easy to add on additional coverage should it be needed, such as Crime, Data Breach, Errors & Omissions

EXCLUSIONS:

Although a BOP is a convenient insurance option for small to midsized business owners, it does not cover:

• Professional liability
• Auto insurance
• Workers’ compensation
• Workers’ life, health or disability coverage

Each of the above can be purchased as a separate insurance policy.

WHY WE'RE DIFFERENT

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.