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BOP (Business Owners Package) Insurance

business insuranceBusiness Owners Package policy, commonly called a "BOP" contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.

Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers' compensation, professional liability, or business vehicle coverage.

About the Business Owner's Policy

The Business Owner's Policy (BOP) combines two critical business insurance coverages: business property and business liability. With one convenient policy, you're protected against fire, theft, lawsuits and more. In addition, you can purchase optional coverages allowing you to tailor a policy that meets the unique needs of your business, today and as it evolves.

Business Property Insurance

The property insurance portion of a BOP can help protect the property your business owns, leases or rents, including things like buildings, equipment, inventory, furniture and fixtures. It provides coverage for damaged computers and media and loss of accounts receivable records.

Business Liability Coverage

When it comes to liability protection, the broader the coverage the better. That's why the BOP insurance provides business liability insurance that covers your business in the event your business is responsible for causing harm to a person and/or damage to property. It also helps cover the cost of your defense.

Loss of Business Income

If unexpected events cause your operations to be suspended due to a covered cause of loss, The BOP insurance will help replace any loss of income to help you meet your continuing financial obligations such as rent or payroll.

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General Information
Your Full Name: *
Your Company:
Address:
City:
State:     Zip:
Business Phone: *  
E-mail Address: *

Current Insurance Information
Company Name:
(not agency)
Policy Expiration Date:   Premium Amt: $
Years Insured:

About Your Business
Number of Employees: Years in Business:
Number of Locations:
Annual Sales: $
Detailed Description of your Business:

Property Questions
Do you own
your Building?
Yes
No
Building Replacement Value: $
    Replacement Value of Contents: $
Do you have
Company Vehicles?
Yes
No
If Yes, How many?

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