Business Owner Policy

A Business Owner Policy (BOP) combines business property and business liability insurance into one business insurance policy. BOP insurance helps cover your business from claims resulting from things like fire, theft or other covered disasters. Business owners insurance also helps cover claims that could arise from your business’s operation. These include claims of bodily injury or property damage. They also include claims related to personal and advertising injury. Key Employee & Commercial Auto policies are often added to the BOP.

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According to a study by FreshBooks in 2018 only 60% of Small Businesses have the proper insurance. You can find more information on a Business Owner Policy either of our carrier partners: Travelers or The Hartford

Typically a BOP Policy Includes

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Business Property

Provides coverage for buildings and contents owned by the company — there are two different forms, standard and special, which provides more comprehensive coverage.

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Provides coverage for your company’s legal responsibility from harm it may cause to others. Harm can be as a result of things that you and your employees do. Also what you fail to do in your business operations that may cause bodily injury or property damage. Defective products, faulty installations and errors in services provided are all examples.

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Service Interruption

Provides coverage for the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include coverage for Employee Payroll, Rent as well as other expenses which may arise from the interruption.

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