Business Owners Policy (BOP)

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Business Owners' Policy (BOP)

A Business Owner’s Policy contains coverage for various types of insurance all in one convenient package. It protects businesses from major property and liability risks. This package policy is designed for small and medium-sized businesses that generally face the same types and degree of risk.

Qualifications for a BOP

A Business Owner’s Policy (BOP) is not for every business owner. As mentioned above, this policy was designed for small and mid-sized businesses. Though the criteria varies amongst insurance carriers, these are typical qualifications for a BOP:

  • Your business is located in or outside of your home
  • You have less than 100 employees
  • You have less than $5 million in sales
  • You have property or equipment you need to protect
  • You want to protect investments you’ve made in your business

What Coverage Is Available?

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Depending upon the specific needs of your business, you can customize your BOP policy by choosing options such as:

Business Interruption Insurance

This policy covers the loss of income that results from a catastrophe. If you can’t operate your business because of a fire, vandalism, mechanical break-down, or other covered perils, this coverage will pay the lost income and may cover the extra expenses of operating at a temporary location.

Liability Protection

This coverage protects your company in the event that someone is injured or their property is damaged. Property damage may be a result of defective products, faulty installations or any other errors in services or product provided.

Get Insured

If this looks like the right package for you, give us a call to get started on making sure that your business is properly insured. If you don’t think this is the right one for you, call AIS and see the range of other business insurance products we can offer you, whether you’re a large corporation or a sole proprietorship.

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