Business Insurance Quotes

Insurance companies sell Business Insurance Policies that combine protection from all major property and liability risks in one package. They also sell coverage separately. One package purchased by many small and mid-sized businesses is the Business Owner’s Policy (BOP). Package business insurance policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face.

Business Owner’s Policy Include:

1. Property insurance for buildings and contents of the business owned by the company -- there are two different forms, standard and special, which provides more comprehensive business insurance coverage.

2. Business Interruption Insurance, which covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location due to such a disaster.

3. Liability protection, which covers your company's legal responsibility for the harm it may cause to others. This harm is a result of things that you and your employees do or fail to do in your business operations that may cause bodily injury or property damage due to defective products, faulty installations and errors in services provided. 

A Business Owner’s Policy does not cover professional liability, auto insurance, worker’s compensation, health or disability insurance.
You'll need separate insurance policies to cover professional services, vehicles and your employees. Click Here to Get a Free Business Insurance Quote based on the insurance needs of your business.

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