Business Owners Policy (BOP)

Let us help you design a specialized policy for your business.


Peace of mind for your business.


Our Business Owners Policy (BOP) can provide specialized coverage for commercial property, general liability, business income and more in a single policy. From a barber shop to a warehouse, we have coverages that fit your unique needs.


Don't see your business here?  No worries, this is just a sample of the hundreds of specialty businesses we can cover.


Available Coverages


  • Property provides coverage for buildings, tools, equipment or inventory that is stolen, damaged or destroyed by a covered loss.
  • Liability provides protection for your business when others are injured or property is damaged as a result of your operations.
  • Business Income Coverage protects by helping cover lost income when your business must shut down due to covered loss.

More Available Coverages


  • Equipment Breakdown provides coverage for mechanical breakdown or electrical failure of pressure, mechanical or electrical machinery.
  • Data Breach reimburses you for expenses associated with notification expenses, forensic investigation expenses or public relation expenses.
  • Cyber Extortion reimburses you for your expenses if your business is hit by a covered ransomware attack or other cyber extortion.

Optional Coverages


  • Identity Restoration can reimburse you for the expenses to restore your identity if you are a victim of a covered identity theft.
  • Employment Practices Liability can provide coverage for claims arising from allegations of unjust employment acts such as discrimination, harassment or wrongful termination.
  • Employee Benefits Liability can provide coverage to an employer for negligent acts, errors or omissions committed in the administration of an employee benefit program.

More Optional Coverages


  • Professional Liability can provide protection for claims/lawsuits that can arise from the professional services your business provides to clients.
  • Hired & Non-owned Auto can protect you when you lease, rent or hire an auto, or when an employee drives their own auto to complete business errands or activities on your behalf.
  • Contractors Errors and Omissions can protect you against claims for unintentional faulty workmanship or materials that you install.

Other Business Policies


Complete your business protection with these additional policies:

  • Worker's Compensation provides for employee medical expenses and lost wage payments in the event of a work-related injury.
  • Business Auto can provide coverage for vehicles your business owns, operates or uses in the course of daily operations.
  • Commercial Umbrella provides extra protection against damages resulting from lawsuits or claims.
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