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Business Owners Insurance
Comprehensive Coverage for What You’ve Built

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Business Owners Insurance

Running a business comes with plenty of rewards, but also risks. Property damage, accidents, and legal claims can disrupt your operations and hurt your bottom line. Business Owners Insurance, also called a BOP (Business Owners Policy), helps protect against many of these common threats by bundling key coverages into one simple, cost-effective policy.

What Is a Business Owners Policy?

A BOP is designed for small to mid-sized businesses and combines several core types of coverage into a single plan. It’s a straightforward way to get the protection you need—often at a lower cost than buying separate policies.

Most BOPs include:

  • Covers damage to your business property from events like fire, theft, or storms. This can include:

    • Your building (if you own it)

    • Equipment and tools

    • Office furniture and supplies

    • Inventory and stock

  • Protects your business if someone sues you for:

    • Bodily injury (like a customer slipping and falling)

    • Property damage (like accidentally breaking a client’s equipment)

    • Advertising injury (like claims of libel or copyright infringement)

  • Helps cover lost income and ongoing expenses (like rent or payroll) if you’re forced to temporarily close due to a covered event.

Why It Matters

A BOP isn’t just for worst-case scenarios—it’s for everyday risks too. Here’s why it’s worth considering:

  • Protects Your Investment: You've put time, money, and energy into your business. A BOP helps shield that investment from unexpected setbacks.

  • Meets Legal and Contractual Requirements: Landlords, lenders, and clients may require you to carry certain coverages.

  • Saves Money: Bundling coverage usually costs less than buying each policy separately.

  • Covers Common Risks: From property damage to slip-and-fall claims, these things happen more often than you think.

  • Keeps You Running: If your business has to pause, business interruption insurance helps you recover faster and avoid long-term damage.

Is a BOP Right for You?

Business Owners Insurance is a great fit if you:

  • Have a physical location

  • Own valuable tools, equipment, or inventory

  • Interact regularly with clients, customers, or the public

  • Want reliable, streamlined coverage

If your business has specialized risks—like cyber threats or professional liability—you may need additional coverage. But for many businesses, a BOP offers the right mix of protection and value.

Not sure what you need? Our licensed agents can walk you through your options and help tailor a policy to your business.


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