Business Owners Policy

A Business Owners Policy (BOP) provides an important foundation for protecting a small or mid-sized business. By combining commercial property, general liability, and often business income coverage into one package, a BOP helps business owners manage several common risks. However, no single policy automatically covers every situation a business might encounter. Equipment failures, cyberattacks, employee

A fire, severe storm, or other unexpected event can do more than damage a business’s property. It can also prevent the company from operating normally, cutting off revenue while expenses continue to arrive. For a small business, even a temporary shutdown can create significant financial pressure. Rent or lease payments may still be due, employees