BUSINESS OWNER (BOP) INSURANCE

Protect Your Business with a Business Owners Policy (BOP)

Running a small business is a big investment, and protecting that investment is essential. A Business Owners Policy (BOP) helps safeguard your business by bundling essential coverages into one convenient package, minimizing financial risks from unexpected events like property damage, equipment breakdown, liability claims, or natural disasters. While not legally required, having a BOP is a smart move for any business owner looking to secure their assets and operations.

Key Coverages Included in a BOP:

• Property Claims: Covers damage to your business property, including buildings, equipment, and inventory, due to events like fire, theft, or vandalism.
• Equipment Breakdown: Protects against the cost of repairing or replacing equipment if it suddenly malfunctions.
• Income Loss: Helps replace lost income if your business is temporarily unable to operate due to a covered event.
• General Liability: Offers coverage for claims related to third-party bodily injury, property damage, and legal fees.
• Products and Completed Operations: Provides protection if your products or completed work cause injury or damage.
• Fire Legal Liability: Covers damages if you are held responsible for a fire on rented premises.
• Premises Liability: Protects against claims if a customer or visitor is injured on your business property.

Why Choose a BOP?

A Business Owners Policy combines property, liability, and business interruption coverage into one cost-effective package. It’s ideal for small to medium-sized businesses with fewer than 100 employees and less than $5 million in revenue. By bundling these coverages, a BOP not only simplifies your insurance needs but also offers significant premium savings.

Get a Quote for Your Business Insurance Today

At Stocker Insurance, we work with multiple top-rated insurance carriers to find the right coverage for your unique needs at the best price. Contact us today to start your quote and ensure your business has the protection it needs to thrive.