General Liability built for you
We can provide a stand-alone general liability policy or a business owner’s Policy that includes your business's personal property, such as equipment, inventory, tenant improvements, and more.
- Competitive pricing for all industries, including roofing and general contractors.
- $0 deductible option with blanket endorsement forms like Additional Insured, Completed Operations, Waiver of subrogation, and primary and non-contributory wording.
- A businessowner’s Policy with a Total Insured Value (TIV) of up to $50M that can include wind coverage on your building and personal property.
- Same Day Certificate. Never wait for payment or to get on a job site again. We issue certificates on the same day you request, usually within the hour.
Are BOP's affordable?
Yes! BOPs are generally more affordable than purchasing individual policies for each coverage, making them a cost-effective option for SMBs.
Does a BOP make coverage easier?
We think so! Managing one policy is easier than juggling multiple policies, thus simplifying insurance administration.
How much coverage do I need?
The level of BOP coverage required is determined by various factors, including the nature and scale of your business, the number of employees, and the typical clientele you serve.
Are independent contractors covered by my BOP?
Not typically. A business owner’s policy is designed to cover you and your employees.
Key Aspects of a BOP
Combined coverage: BOPs typically bundle general liability insurance and commercial property insurance into one policy.
General liability insurance:
General liability insurance protects your business from claims arising from bodily injury or property damage to others caused by your business operations, products, or employees.
Commercial property insurance:
Commercial property insurance covers your business's physical assets, such as buildings, equipment, and inventory, against losses due to fire, theft, vandalism, and other covered perils.
Additional coverage options: Many BOPs allow you to add endorsements or riders for additional coverage, such as:
Business interruption insurance:
Business interruption insurance covers lost income if your business is forced to close due to a covered event.
Crime insurance:
Crime insurance protects against theft, embezzlement, and other crimes.
Commercial auto insurance:
Commercial auto insurance covers business vehicles.
Data breach insurance:
Data breach insurance covers costs associated with a data breach.
We're the Business Owner's Policy (BOP) Pros!
A Business Owner's Policy (BOP) is a package insurance designed specifically for small and medium-sized businesses (SMBs). It combines several essential coverages into one convenient and cost-effective policy, offering peace of mind and financial protection against various risks.
Overall, a BOP is a valuable insurance tool for SMBs, offering comprehensive protection, peace of mind, and cost-effectiveness. If you own a small business, consider consulting with an insurance agent to see if a BOP is right for you.
Here's What You Can Expect
- Your business is covered, without juggling multiple policies
- Reduced risk of lawsuits
- Comprehensive protection
- Potential discounts
- Financial security
- Peace of mind
