Business Owner Policy

A Business Owner’s Policy (BOP) combines business liability and business property  insurance into one more inclusive policy. Think of it as insurance bundle. BOP Insurance looks to cover your business from claims resulting from things like fire, theft or another covered disaster and from claims involving bodily injury, property damage and personal and advertising injury that could arise from your business’ operations. Businesses can tailor a Business Owner’s Policy (BOP) to help meet their unique needs by adding optional coverages like data breach, business income for off-premises utility services and other specialized coverages to their BOP.  By doing so it allows businesses to purchase a single policy giving them the protection they need at a price that is generally less expensive than purchasing two separate policies.

When Does Your Business Need A BOP?

  • General Liability Insurance – Protection against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability.
  • Commercial Property Insurance-  t insures against damage to their buildings and contents due to a covered cause of loss, such as a fire. The policy may also cover loss of income or increase in expenses that results from the property damage (PD).
  •  Business Income Protection- covers loss of income suffered by a business when damage to its premises by a covered cause of loss causes a slowdown or suspension of its operations.

Bop Liability Covers :

  • Damage To Clients Property
  • Injuring A Person’s Reputation
  • Business Causes Physical Injury
  • Infringing On Someone’s Copyright

BOP Property  Covers:

  • Theft
  • Fire
  • Vandalism

Typical Benefits of Business Owner Policy (BOP)

Liability insurance in needed just to conduct business. When you go to open your doors a landlord they will ask for your liability insurance. As soon as you sign a deal with a client often times they will ask for a copy of insurance. Basically anyone that you does business with wants to make sure that you have insurance coverage in the event you are sued and you won’t have to shut your doors.

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“Appointing Chris as our broker to all of our polices has been a key decision in our business. We’ve worked with multiple brokers over the last 13 years and Chris has been great to work with. Chris has spent time to ensure we, understand what the policy entails and does/ not cover in order to make the best decisions for our business….
SERVPRO Yorba Linda/Brea
“Chris has handled both my personal and business insurance needs in both a timely and professional manner.   He’s easily accessible and very responsive.  I’ve referred business customers of mine to him and he’s treated them the same way he did me.  I would highly recommend Chris for all your insurance needs.”
Steven Jones
“Great all around Insurance agent!!! Very efficient and good with communication. Takes time to listen to the client and make sure they not only have the best price, but that they have the proper coverage for when you need the insurance. My family and I know we are safe and protected with Chris”
Steve Williams

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