Commercial Insurance > Business Owner’s Policy (BOP)

Property & Liability Insurance

Your business owner policy will protect you and your business against risk. Based on the business or industry you are in, you can tailor your policy to match your needs with an endorsement. The endorsements will enhance or modify the coverages you opt to choose for your business. For example, if you are in the restaurant industry, an endorsement may cover food spoilage. Some businesses may have some risk beyond what a business owner policy may cover. Many different enforcements can be added to suit your business to keep you covered and give you peace of mind.

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Property & Liability Insurance

General liability Insurance Typically Covers:

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Product Liability

If the products your business develops or sells harm people or property, this coverage may help protect you against liability, lawsuits, and medical expenses if any injury occurs.

Bodily Injury

If someone is injured on your property other than an employee, this coverage can help you with medical expenses, legal expenses, and damages.

Property Damage

If a customer's property is damaged by an employee, your coverage may help pay to have it repaired or replaced.

Libel Slander, & Copyright

This coverage will protect you against advertisement injury. Examples of advertisement injury include disparaging another business in your advertisement, stealing advertisement ideas, and much more.

Property insurance typically covers:

Contents of your building 0

This coverage can provide coverage for equipment, inventory, and other people’s property while in the building that has been damaged by an employee, theft, a natural disaster, or weather.

Your building or Lease Space 0

This coverage provides protection for a building you own or provides coverage when required for a building you lease.

Income From Your Business 0

When products developed or sold by your business harm people or property. Generally, this coverage could help pay legal expenses associated with product liability lawsuits and medical expenses when injuries arise.

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Frequently Asked Questions

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What does a business owner policy cover?

A bop policy provides coverage for liability and commercial property claims. Liability coverage, which would protect you for customer injuries, damage to other people’s property, and advertising injuries. Commercial property covers your commercial building and its contents.

Additional coverage can be purchased for business interruption coverage. This helps protect you from financial losses due to business interruption from a covered loss.

What are the advantages of a business owner policy (BOP)?

The advantages of a business owner policy are combining two coverages into one. This includes business property insurance and business liability insurance. Buying a business owner policy with these coverages together will help you save money and provide you with broader coverage that can cover things like

Fire
Theft
Lawsuits
Loss of income

With a Bop policy, you can add additional coverages for your business needs, like data breach and professional liability, along with business income for off-premises utility service.

How is business income covered in a business owner policy (BOP)?

With business income coverage, it protects your business income in case of a covered loss if your business is unable to operate if your business were to catch on fire. It protects your business until repairs are made to get your business running again. It can also help cover business expenses like payroll.

What is the difference between bop and general liability?

General liability is a stand-alone policy that can be purchased by itself. With this type of policy, your business would only be protected against claims for property damage, advertising injuries, or bodily injury to someone else. With a BOP policy, your business would be covered for wider risks like fire, theft, wind and lightning, or any loss income resulting from a covered loss.

Does a business owner's policy cover rented business property?

Bop coverage typically covers leased or rented buildings.

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