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business owners pOLICY (bop)

Property and liability insurance for every business


Property and liability insurance for every business


As a business owner, you know the risks you are susceptible to. If you’re not careful (or, in some cases, even if you are), you could end up on the receiving end of one of the over 100 million lawsuits filed against businesses every year.

So, what can you do to protect your business, and your own finances, from the threat of natural disasters, theft, lawsuits and more?

This is where Business Owners Policies come into place.

What is Business Owner’s Policy Insurance?

Business Owners Policies (or BOP Insurance) are packages available to business owners that combine multiple common coverages. Rather than sourcing multiple policies, a BOP allows the business owner to get a number of coverages that they need for their company in one place.

BOP policies are great options, because they take the guesswork out of business insurance. Oftentimes, business owners are inundated with all the policies they could need, but find themselves confused when trying to determine what they should actually purchase.

These policies typically offer package credits which afford a premium discount, so they become a more affordable option than purchasing each policy individually. They are geared toward small-to-mid sized businesses who face similar risks and could benefit from these coverages.

What does BOP Insurance cover?

Though the Business Owners Policy is customizable, most include certain standard coverages such as General Liability and Property.

What can be added onto a BOP plan?

Depending on the carrier, the Business Owners Policy policy may provide options to endorse additional coverages onto the policy.  Such coverage may include Crime, Cyber Liability, Professional Liability (E&O), Umbrella, among others.

What businesses qualify for BOP Insurance?

This type of insurance coverage is meant for small-to-mid sized companies who fit certain underwriting criteria of the carrier offering coverage.  Insurance providers look at different factors when deciding if the business is suited for their Business Owner’s Policy. External factors like location and internal factors like the size of the business and its income will play into that decision.

Ultimately, you’ll want to find the perfect policy for your business to make sure you have adequate coverage, should something go wrong.



Speak with one of our professional risk advisers who will review your specific business risks and present you with customized options. There is no obligation – just expert advice. 


CALL | 561-571-1001



CALL | 561-571-1001


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