Business Owners Package

Better coverage.
Stronger together.

Good business insurance is about more than a certificate.

Protection That Fits Your Business

We take time to understand how your business actually works so your coverage reflects real-world risk—not assumptions.

Guidance Beyond the Policy

Contracts, certificates, payroll changes, vehicles, hiring, equipment, growth—business insurance touches more than most people realize.

Fewer Coverage Surprises

One of the biggest business risks is assuming you’re covered when you’re not. We help identify problems before a claim exposes them.

Local People. Real Answers.

When questions come up, you can call someone who knows your business—not a random call center.

Business Owners Package policy, commonly called a “BOP” contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.

Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers’ compensation, professional liability, or business vehicle coverage.