A Business Owner's Policy bundles property and general liability into one policy for small and mid-sized businesses. It is usually cheaper than buying the two separately, and it removes the gap that appears when the property and liability policies come from different carriers with different terms.
Covers bodily injury and property damage claims made against your business, protecting your assets from legal claims.
Covers damage to your business property, including buildings, equipment, and inventory, from risks such as fire, theft, and vandalism.
Helps compensate for lost income if your business operations are disrupted due to a covered event.
One policy, one renewal date, and one carrier handling both sides of a loss, which matters when a storm damages the building and interrupts the operation at the same time.
Most BOP forms include some business interruption cover, which pays the income you lose while the premises are unusable. For a small business, that is often worth more than the building coverage itself.
BOPs are typically designed for small to medium-sized businesses in certain industries. Our agents can help determine if your business qualifies.
At Wolf Insurance, we are dedicated to providing comprehensive Business Owner's Policies that protect your business from various risks. Contact us today for a free quote and secure your business's future!
A BOP typically combines general liability insurance and commercial property insurance, providing broad coverage for common business risks.
The value in a BOP is in what gets added to it, not the base form. Most Florida businesses need flood written alongside it, because flood is excluded from every commercial property policy, and many need equipment breakdown or business interruption on top. We map the whole file once and tell you which parts can wait, rather than selling the bundle and leaving you to find the gaps during a claim.
Factors include the size of your business, the type of industry, location, and the coverage limits you choose.
Yes! Many BOPs allow for additional coverage options to be added based on your specific business needs.
Flood zone, county taxes and insurance in about a minute. No account needed to start.