BOP, also known as Business Owners Policy, is a comprehensive small business insurance package that includes multiple liability coverages in a solitary bundle. A BOP integrates two chief coverages in a single policy: property insurance and general liability. A BOP policy can also provide protection for a variety of different areas of liability, including equipment, buildings, and legal liabilities. A BOP policy can help protect your client from personal injury, income loss, professional liability claims, valuable papers, equipment breakdown, fire, legal liability claims, employee dishonesty, money and securities, and property claims.
Through such leading national carriers such as The Hartford, Travelers and Zurich we offer your customers a wide range of coverage that protects them from risks to their property, including reimbursement for loss of income and protection from lawsuits that could cost them their livelihood.
We offer a broad range of BOP class codes that cover your office, retail, service and wholesale distributor clients. Within those categories, some of our carriers offer classifications for lessor’s risk, hotel/motel, apartment and condominium business owners.
We also have some availability with a limited number of carriers within the business owner’s policy for certain types of restaurants and manufacturers. Be advised that these generally have additional underwriting requirements and coverage limitations may apply.