Business Owners Policy (BOP)
A BOP is a package for small to medium sized businesses that are lower risk. BOP includes General Liability to cover your commercial liability and property insurance for physical assets, such as contents, that are leased or owned. It may also cover loss of business income and extra expenses.

The General Liability insurance coverage of a BOP provides protection against claims of bodily injury or property damage for which your business may be liable. It also provides liability insurance for the cost of defending lawsuits stemming from:

  • Accidents that cause bodily injury and/or property damage
  • Claims such as libel and slander
  • False advertising (does not cover errors or negligence from professional services)

A BOP policy can include:

  • Outdoor Sign Insurance
  • Money and Securities Insurance
  • Employee Dishonesty Insurance
  • Water Back Up Insurance

Not all businesses are eligible for a BOP policy. If your business is high risk, please call us for other insurance options to meet your needs.

 

Workers Compensation Insurance
Workers Compensation protects your employees if they are to be injured on the job. Payments are made to the injured party and can consist of medical payments, loss of wages or therapy.

Did you know that all states require all employers to carry Workers' Compensation insurance and each state has individual laws that must be met?

Workers' Compensation will cover an employee's medical expenses and reimburse him or her for some percentage of lost wages.

 

Property And Liability Insurance

Property Insurance
Property insurance cover buildings that you own and/or business property and inventory against physical loss or damage.

If you are leasing your building, you'll still need contents coverage. In most policies, furniture, fixtures, inventory, office equipment, and other supplies stored at your facility or off-premises are covered.

Liability Insurance
Liability insurance is designed to protect the business against losses even if they are negligent or liable for damage, injury or loss to another's property, reputation, or health. Policies can include:

  • Bodily Injury
  • Property Damage
  • Products and Completed Operations
  • Contractual Liability
  • Liquor Liability
  • Hired Auto & Non-Owned Auto
  • Medical Payments
  • Personal Injury (Publishing inaccurate information that slanders or libels a person or organization)

 

Specialty Liability Insurance

Professional Liability
Professional Liability Insurance protects your business against loss from a claim of alleged negligent acts, errors or omissions in the performance of your professional services. The policy can pay for any resulting judgments against you, including court costs, up to the policy's coverage limits.

Employment Practices Liability
Employment practices liability coverage protects an employer against an employee's claims such as:

  • Wrongful Termination
  • Sexual or Workplace Harassment
  • Wrongful Discipline
  • Age
  • Discrimination
  • Violation of Employment
  • Discrimination Laws
  • Violation of Americans with Disabilities Act
  • Wrongful Failure to Employ or Promote
  • Wrongful Deprivation of a Career Opportunity
  • Breach of Employment Contract
  • Employment Related Misrepresentation
  • Failure to Adopt Adequate Workplace Employment
  • Policies & Procedures
  • Illegal Retaliatory Treatment Invasion of
  • Privacy
  • Negligent Evaluation
  • Employment Related Wrongful Infliction of Emotional Distress


Directors & Officers Liability
Directors and officers coverage protects your executives from potential lawsuits resulting from key decisions or management practices-lawsuits that may target their personal assets.


Pollution / Environmental Liability
Errors and omissions coverage, also known as professional liability, protects a professional who accidentally designs a facility that causes pollution. Pollution incident coverage protects professionals on the job in case they cause pollution on the job.

Policies for environmental consultants can be built to the specific needs of a professional in the environmental field.

 

Commercial Vehicle Insurance
Commercial auto liability coverage provides protection for any business-owned or leased commercial vehicle. Policies usually include collision and damage coverage as well as coverage for property and personal damage to others:

  • Bodily Injury Liability
  • Property Damage Liability
  • Medical Payments
  • Personal Injury Protection
  • Collision
  • Uninsured Motorist
  • Underinsured Motorist
  • Additional Expense
  • Hired Auto Liability Coverage
  • Employer's Non-Ownership Liability

 

 

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