It takes hard work and dedication to develop a successful business. A disaster can erase all this hard work in the time it takes you to snap your fingers. Purchasing the proper commercial insurance protects your business, your profits and the time you put into developing both.

A business owner’s policy, or a BOP, is a package that covers all the major property and liability risks associated with running a business. Although larger companies may customize their policies or purchase separate policies for special risks, a BOP is suitable for most small and mid-sized businesses.

A standard BOP includes the following:

Property insurance – This provides coverage for the buildings and contents owned by your company.

Business interruption insurance – When a catastrophe, such as a fire, disrupts the operation of your business, this covers your loss of income. This insurance can also cover costs of operating your business out of a temporary location.

Liability protection – Getting sued for malpractice is a business owner’s worst nightmare. If you and your employees cause bodily injury or property damage during your business operations, liability protection will cover your legal responsibility for the harm you’ve caused to your customer.

You’ll need to purchase separate policies for professional liability, company vehicles, worker’s compensation and health or disability insurance.

Contact us today for more information and a free rate quote.