Business Owners Policy (BOP)

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.
  

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.

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.