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Business Owner's Policy

  • Property Damage
  1. A client comes with their laptop to your office for a meeting. An employee’s glass of water spills on the laptop and causes a hardware malfunction. The client sues your company for a new laptop and the lost data.
  2. Your restaurant is damaged from a hurricane, blowing off the roof and causing significant damage to the furniture and kitchen appliances.  You are out of business for 6 months.
  • Bodily Injury
  1. The child of a customer slips on the...Read more

Business Owner’s Policy (BOP) provides comprehensive coverage of general liability and commercial property insurance at reasonable premiums. ABOP essentially bundles basic insurance coverage for the small business owner. The property insurance of BOP covers damage to real and personal property caused by perils such as fire, wind, theft, explosions, and vandalism to name a few.

Liability protection coverage under BOP covers claims of bodily injury, personal injury, and property...Read more

Business Owner’s Policy (BOP) provides comprehensive coverage of general liability and commercial property insurance at reasonable premiums. ABOP essentially bundles basic insurance coverage for the small business owner. The property insurance of BOP covers damage to real and personal property caused by perils such as fire, wind, theft, explosions, and vandalism to name a few. Liability protection coverage under BOP covers claims of bodily injury, personal injury, and property...Read more

Typically small to mid-sized, low risk “main street” ventures are considered for this type of insurance. Different insurance companies have different eligibility guidelines, some may limit the number of employees, others will put limits on revenue or payroll. Some automatically include business income coverage, some require you to purchase this valuable coverage as an endorsement.

Retail stores, business, and medical offices, some classes of artisan contractors (electrical,...Read more

⇒ Property Damage

  1. A client comes with their laptop to your office for a meeting. An employee’s glass of water spills on the laptop and causes a hardware malfunction. The client sues your company for a new laptop and the lost data.
  2. Your restaurant is damaged from a hurricane, blowing off the roof and causing significant damage to the furniture and kitchen appliances. You are out of business for 6 months.

⇒ Bodily Injury

  1. The child of a customer slips on the wet...Read more