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Business Owners Policy

A Business Owners Policy, often called a BOP, can package certain property and general liability protections for an eligible business. The package may be convenient, though its limits, exclusions, and available additions still deserve a careful review.

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What to discuss

The place you operate
buildings and business property
a liability claim from a visitor or your operations
an interruption after covered property damage
which risks may need separate policies

Questions to bring

Does the package fit the way we work?
Are all locations and property included?
What events are excluded or limited?

Reading the details

Before choosing a policy, confirm the business's legal name, covered operations, locations, property or vehicles, limits, deductibles, exclusions, contract requirements, and effective date. Ask how changes in the business should be reported. A certificate of insurance does not change policy terms.

The right policy depends on the business's facts and the terms an insurer offers. We can listen, explain the choices and limits, and help you decide what further information is needed for a proposal.

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Website content is provided for general educational purposes and does not amend, extend, or create insurance coverage. Coverage is subject to the terms, conditions, limitations, and exclusions of the applicable policy.