Affordable insurance starts with an easy quote
Business Owners Insurance, commonly known as a Business Owners Policy (BOP), is a pre-packaged bundle designed specifically for small to medium-sized businesses. It combines General Liability and Commercial Property insurance into a single policy, often at a discounted rate compared to purchasing them separately. This coverage provides the foundational layer of protection against fire, theft, lawsuits, and income loss.
A simple kitchen fire or a burst pipe can shut down a business for weeks. The Insurance Information Institute (III) reports that 40% of small businesses never reopen after a disaster because they lack the funds to survive the downtime. A BOP not only repairs the physical damage but can also replace your lost income during repairs, ensuring your business survives the interruption.
A BOP is designed to be the “Greatest Hits” of insurance coverage for main street businesses.
Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure the critical add-ons in the right column that actually protect your livelihood.
| Risk Area | Standard General Liability | Business Owners Policy (BOP) |
|---|---|---|
| Customer Injury Lawsuits | ✔ Included | ✔ Included |
| Theft of Inventory | ✖ Excluded | ✔ Covered |
| Lost Income during Repairs | ✖ Excluded | ✔ Covered |
| Building Damage | ✖ Excluded | ✔ Covered |
“How much does a BOP cost?” Because it bundles coverages, a BOP is often the most cost-effective way to insure a small business.
One size does not fit all. We tailor the BOP to your specific industry needs. “Independent Means Multiple Choices.”
Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.
We’re here to help you explore your coverage options tailored to your needs.
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