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Business Owners Policy

Woman Running a Bakery

What Does Business Owners Insurance Cover

What Questions Should I Ask My Agent?

What Factors Determine Your Rate?

The Business Owners Policy (BOP) is an excellent way for many small to medium sized businesses to bundle your General Liability and Business Property while giving you many options to add additional coverages tailored to the needs of your unique business.  More benefits and better savings conveniently rolled into one package.

If you own your building, this can be included in the Business Property portion of the policy.  If you lease your space, you may still use the Business Owners policy to provide protection for all of your furnishings, inventory, computers and equipment.

Your Business Owners package may be tailored to include Business Income, Business Expense, Crime and Hired and Non-Owned Auto coverage.  Depending on the nature of your business, you may wish to include Inland Marine coverage for tools, equipment, and installation.




While many factors determine the ultimate rate, here are sone of the common factors:

-Your nature of your business

-Your claims experience over the past 4 years

_How long you have been in business

-Your estimated gross revenue over the next 12 months

-Your estimated payroll over the next 12 months

-The square footage of your premises

-Deductibles and coverage options




-What is an audit and what should I do to avoid a large premium increase from audit?

-Do I need Cyber Liability or other Crime coverages?

-Do I need business auto coverage or Worker's Compensation?

-Do I have off-premises coverage for theft or damage to tools, equipment, computers, inventory, etc...? 

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