Type of Business Insurance

Every business owner should have a Business Insurance policy to protect themselves from the unexpected. Business owners are not likely to make it through their entire life without experiencing at least one major loss or disaster, so why not prepare for it now? 

We can help you with your Business Insurance needs.  Let's take a look various types of business insurances in the market.

Business Owners Policy (BOP)

A Business Owners Policy is a package of insurance that includes two coverages you need, combined in one policy.  These are Business Liability Insurance and Business Property Insurance. A Business Owner's Policy protects your business from the risk of being sued for bodily injury or property damage caused by your negligence to others (known as "bodily injury liability" or "property damage liability"). Business Owners Policies also cover defense costs for covered liability losses, and Business Furniture & Equipment.

General Liability Insurance/CGL

Business Liability Insurance protects your business from lawsuits for bodily injury or property damage caused by your negligence to others. Business liability insurance is often called General Liability Insurance, because it covers a wide range of risks that could affect you and/or your employees at any time. Business Property Insurance also provides protection against covered losses such as:

- Business property damage

- Business interruption or loss of business income 

- Business personal injury.

If you have a Business Owner's Policy, the Business Property Insurance coverage is included in that policy. If not, we can offer it to you as well. We'll review your financial needs and goals with respect to insurance protection to help determine which package of Business Property Insurance best meets your needs.