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Protect your business

When you own a business, you need complete coverage to guard it from unexpected problems that could cost you a lot of money.

Outside view of a commercial building.

A Business Owners Package can save you headaches

Business Owners Package policy, commonly called a "BOP" contains most of the insurance coverage needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements.

The basic BOP offers business property both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and liability from your products and completed operations.

Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all the coverage needed by a small business. Notably they do not cover any workers compensation, professional liability, or business vehicle coverage.

Your BOP can cover many areas needed for your small business:

  • The building
  • Contents of the building
  • Liability insurance protection
  • Operation of your business
  • Products or completed operations

Officer’s liability insures corporate directors and officers against claims, usually by stockholders, alleging loss arising from mismanagement.

Outside Directorship Liability policy is available, as supplementary protection, to assure sufficient limits for the exposure created when a company's director, officer or employee serves in an outside director position at its request.

Officer’s Liability insurance is available for:

  • Associations
  • Corporations
  • Institutions
  • Individuals

Keep your company in business with professional liability coverage

Because you provide a professional service, claims may arise due to your failure to render those services properly, resulting in suit against you or your business. Professional liability coverage would provide protection in the event you are held liable for damages due to "malpractice" of those provided services.

Coverage for claims arising as a result of alleged:

  • Negligence
  • Dishonesty
  • Errors or omissions while performing or rendering professional services

Keep your business afloat by protecting it with the right coverage!


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