Running a business means juggling many responsibilities — and protecting it from unexpected risks is one of the most important. A Business Owner’s Policy (BOP) is designed specifically for small and medium-sized businesses to simplify and strengthen their coverage, all in one convenient and affordable package.

-General Liability Insurance

Covers your business against claims of bodily injury or property damage caused to others. This includes slip-and-fall accidents, damage to client property, or legal costs if your business is sued for advertising injuries.

- Commercial Property Insurance

Protects the physical assets your business relies on — such as your building (owned or rented), equipment, furniture, inventory, and signage — against losses from fire, theft, vandalism, or certain weather events.

-Business Interruption Insurance

If a covered event forces your business to temporarily close, this coverage helps replace lost income and covers ongoing expenses like rent, payroll, and utilities. It may also help with costs associated with relocating to a temporary location.

A BOP can be customized to fit your industry and specific risks by adding optional protections, such as:

-Cyber Liability Insurance — Helps cover costs related to data breaches and cyberattacks.

-Equipment Breakdown — Covers the repair or replacement of essential machinery or equipment after a mechanical failure.

-Hired and Non-Owned Auto Liability — Provides liability coverage if employees use their own or rented vehicles for business purposes.

-Professional Liability (Errors & Omissions) — For businesses that provide services or advice, protecting against claims of negligence or mistakes.

-Employee Dishonesty Coverage — Protects against financial losses from employee theft or fraud.

A BOP is an excellent choice for small to medium-sized businesses such as:

Retail stores and boutiques

Restaurants and cafes

Professional offices (accounting, law, consulting, etc.)

Contractors and tradespeople

Salons, spas, and fitness studios

Wholesalers and distributors

A Business Owner’s Policy simplifies insurance by bundling key coverages into one policy, usually at a lower cost than purchasing each separately. It offers comprehensive protection, peace of mind, and flexibility to scale with your business.

Protect your livelihood and focus on what you do best — running your business. Contact us today to get a customized BOP quote and start building a stronger safety net for your business.