A Business Owner's Policy (BOP) is a convenient way to help protect your business for property damage and liability insurance in a single policy. By bundling these two coverages into one policy, you can worry less about insurance policies and focus more on your customers. Get your free business owner's policy quote and see how we puts the 'us' in business insurance. We'll work together to create a plan that works for your business.
Whether you are starting a new business or you have been in business for a while we can evaluate your policy and find you the appropriate policy with sufficient coverages at a great value and competitive price.
We can find you right workers comp coverage to give you peace of mind.
Bodily injury or property damage (e.g., You spill water on a client's computer causing damage.)
Defense costs for covered liability losses (e.g., libel and slander)
Protection for business furniture and equipment (e.g., chairs, desks, and computers)
General Liability (GL) Insurance helps protect you from claims that happen as a result of normal business operations. GL includes claims for third-party bodily injuries, resulting medical payments, and advertising injuries. General liability is also known as "Business Liability Insurance," or "Commercial General Liability" (CGL) insurance. While we're not here to tell you what to call it, we can help you get the coverage your business needs.
Typical businesses that use general liability insurance are:
Real estate agents
Marketing and more
Sometimes your business needs more than general liability insurance. Being properly insured is critical to protecting your company. A few examples of companies that may be better suited with our other businesses insurance products:
Your company provides professional services (e.g. education and training)
Rent/own a storefront
Utilize vehicles to transport goods, yourself, or employees
Business insurance is coverage that protects your small business from financial damages that can result from accidents, property damage, professional errors, workers compensation claims and other situations. Having accurate coverage is critical in minimizing the negative impact of claims against your business.
From basic coverage to specialized protection, we offers several types of commercial insurance to allow you to get the right coverage for each stage of your business’s development.
Commercial Auto Insurance Coverage: What's Included. A commercial auto insurance policy usually offers four major types of protection: Auto liability coverage can help pay for property damage or bodily injury you cause. It can also help pay for accident-related legal expenses, such as attorney fees or settlement costs.
Commercial auto insurance covers injuries that you or your employees may cause to other people and their property while driving. A typical commercial auto policy may include:
Medical payments coverage
Uninsured and underinsured motorist coverage
Coverage for vehicles you rent or borrow
Coverage for employees who use their cars for business
Not sure whether you need a personal or commercial auto insurance policy? Here are some things to consider when deciding what kind of insurance policy you need.
1. Who Owns and Drives the Vehicle - If your vehicle is owned by a business, most likely, you'll need a commercial auto insurance policy. If you're a sole proprietor, you might only need a personal auto insurance policy. The type of policy you need also depends on how often the vehicle is used and what it's used for.
2. How the Vehicle is Used - If you use your vehicle for business purposes, you'll probably need a commercial auto insurance policy. If you're a sole proprietor who only travels to 1 or 2 job sites a day, or just use your vehicle for commuting, you might only need a personal auto insurance policy.
3. The Type and Weight of the Vehicle - If the vehicle you drive is heavier than a normal size pickup or SUV, like a dump truck, tow truck, or semi truck and commercial trailer, you might require a commercial auto insurance policy. Heavy duty vehicles can cause more damage if they're involved in an accident and sometimes require special insurance coverages.
4. Required Business Liability Limits - If your business vehicle requires higher liability limits, you will probably need a commercial auto insurance policy. Commercial auto insurance policies typically offer higher limits than personal auto insurance policies.
This 2-in-1 policy includes general liability plus protection for your property. It can cover:
Your business location, merchandise, store contents, and equipment
Business interruption expenses and loss of income
Cases where someone is hurt on your premises
Example: A fire damages your office. A BOP could cover repairs to your office and help pay your employees' wages while business is interrupted.