A business owners policy, often called a BOP, combines property and general liability insurance coverage on a single discounted contract. There are several benefits to this policy but it is intended for smaller, less risky commercial accounts. Some of the coverages that may or may not be included in a BOP policy are:

• Damage or destruction to your office equipment or inventory
• Loss of income in case you have to close-up shop temporarily because of a covered property loss
• Certain business related liability exposures such as bodily injury or property damage caused by your negligence as well as libel, slander and even certain offenses arising out of your business's advertising
• Risks to your cargo while in transit or storage
• Theft or loss of tools and equipment
• Crime coverage including robbery, burglary, even employee dishonesty

In order for a commercial lines agent to quote your account please fill out our quote application online. From this information we will determine if you qualify for a BOP. Certainly feel free to call us at one of our offices to speak to a commercial lines agent to determine if you qualify for a BOP. If you do not qualify we will quote your account under a commercial lines property and general liability policy.