Business Owner’s Package (BOP) Insurance

When building a building, make sure that you’re protecting more than the people and the property, but the actual building itself while it is in the construction phase.

The full suite of necessary business insurance lines can be conveniently handled in a single BOP package, protecting the liability of your company’s property and vehicles.

If a loss from theft, storm, accident or vandalism of property causes your business to be out of commission, threatening your business’s livelihood, you’ll be glad you have interruption protection.

Cover each of your company’s cars just like you would cover your own, and protect against risk to one of your company’s major investments.

Taking goods from one place to another requires mitigating the risks to both the goods and the trucks hauling them.

Beyond what a standard business liability policy offers, an umbrella policy grants you even more protection for a true peace-of-mind feeling.

Contractors, builders, construction managers, design/build professionals and owners of construction projects, whether public or private, commercial or residential, are all in need of general liability protection if something were to happen to persons or property.

If any of your employees sues your company as a result of your company’s business conduct, you are protected by this pragmatic form of insurance.

Since anything can happen (and it usually does), a policy which pays in the event of a wide variety of occurrences is an absolute imperative for your business.

As a hotelier, you encounter issues and possibilities unseen in any other industry – so you need a policy providing unique coverages to match.

Alcohol can lead directly to accidents, and if you supply, sell or make the alcohol in question, you could be liable for those accidents.

Despite the best intentions, sometimes doctors and other medical professionals get sued by their patients – so having adequate malpractice protection is indispensable.

If a product is made or sold by your company and it causes harm to another’s property or person, the value of this insurance line is made clear.

The food service industry is tough enough, with the kinds of problems rare if ever seen in any other industry. Appropriately tailored insurance is a must for any restauranteur.

Hosting a party, a concert, a convention? A special event implies special needs that can only be protected by this form of insurance.

Guarantee that a contract is executed on time and in the agreed-upon manner with a bond intended to secure the contract.

Meant for companies that deal in technology, this insurance helps you recoup losses which affect your ability to deal in that technology.

For companies in the business of wholesaling and distributing goods, a set of challenges particular to your industry means a type of insurance designed for you.

Replace the wages of your employees injured on the job while providing them with invaluable funds toward medical expenses.

DBA Insurance is a type of Workers’ Compensation insurance to protect employees, employers, independent contractors and others from damages due to injury, accidents, etc. on the job.

There’s much to be analyzed when considering a municipality’s insurance needs. Are there special events to be covered? Does the municipality make use of volunteers? How could your school board or your water authority be held liable?

Protect your Non-Profit organization from unexpected liabilities.

A social services organization has similar risk-mitigation and protection requirements as any other business entity, but more of them.