Small Business Insurance

Business Owners Policy (BOP) plans offer enhanced insurance protection for your Small Business all in one package.

A Small Business BOP policy combines general liability and property insurance and also protects your business furniture and equipment, as well as claims of bodily injury and associated medical costs.

The General Liability coverage protects your business from a third party’s claims of bodily injury, property damage and personal injury like libel and slander. Coverage for losses, or damage from your business activities applies literally anywhere you do business nationwide! 

BOP’s are competitively priced and designed to handle your business insurance needs!
Check out the coverages a BOP plan can provide below!

Business Liability

$1,000,000 of Liability coverage protects should there be an accidental third party bodily injury, you are sued, or you damage someone else’s property. Limited Product Liability coverage is included as well in certain circumstances. The liability limit extends nationwide if away from your business, at events, trade shows, etc.

Business Personal Property

This coverage insures your business equipment, inventory, displays, etc. We automatically include $5,000 for Business Personal Property (BPP), with optional limits up to $100,000. The standard deductible is $250. In certain circumstances, the insurance company may also pay for the loss of your business income resulting from damage to your BPP.

Electronic Data Processing Equipment Coverage

Available for an additional premium, this is an optional coverage for computers, printers, software, and other electronics if related to your business. This coverage is broad, covering many different types of computer losses, and there is no deductible associated with this coverage.

Money and Securities Coverage

Available for an additional premium, this optional coverage insures business-related money, checks, etc. if they are stolen, or destroyed, at your business or when temporarily off-premises anywhere nationwide.

Additional Insured Coverage

Available for an additional premium. Where needed or required, we can add most types of Additional Insured’s. The most common requests are for when you may want to set up at an event and are required by the venue to add them as an Additional Insured to be able to participate.

Terrorism Coverage

Insurance companies are required to offer this optional coverage.  It would insure your business against losses in the event of a certified terrorist act (as defined by TRIA) in your area. In most cases this coverage is $1/year, but could be up to 20% of the total premium. Customers do have the option to reject the coverage.