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Coverage

A business owner policy (BOP) is a bundled coverage solution which combines property damage and liability coverage into one convenient policy. While covering claims resulting from fire or theft, a BOP also covers claims from bodily injury, property damage, and personal or advertising injury as a result of operations.

If you or your business:

  • Has a physical location, whether it’s out of your home or a rented or owned office, store or other work place.
  • Are being sued – for example, by a customer who was injured at your work place.
  • Have assets that could be stolen or damaged – whether they’re digital assets, customer data, equipment, furniture, cash or inventory.
By adding additional coverage to a BOP, a business owner can protect their data and other specialized services.
When purchased separately from a BOP, worker's compensation pays an employee or employee’s family for medical costs in the event of a work related injury, illness or death.

It also covers an employee's income if they are out of work recovering following an accident sustained at work.
Commercial property insurance protects the building your business owns or leases as well as personal property such as tools, equipment, or inventory.

Businesses can purchase additional coverage for valuable records in the event they are stolen, damaged, or need to be moved into temporary storage in the event of a loss.
Product liability insurance protects you against financial loss as a result of a product defect, malfunction or recall that causes injury or damage. Product manufacturing businesses, as well as product sellers and distributors, should purchase product liability insurance.
Cyber liability insurance covers the costs associated with notifying those affected by a data breach, identity protection services, public relations, legal and liability. If your business owns a significant amount of proprietary information or customer data, you should consider purchasing a cyber insurance policy.

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