Business package

Why buy insurance?
Most business owners who qualify choose a package policy, generally known as a Business Owners Policy (BOP) for commercial insurance coverage. A BOP is designed to meet a combination of insurance needs for various kinds of low-hazard operations, such as offices, stores or apartment houses.

A BOP combines essential insurance coverages in one package that generally costs less than individual policies purchased separately. It usually includes property, liability and crime coverage, as well as a number of specialty coverages, depending on the needs of the business.

The BOP includes property insurance for buildings and contents owned by the company. There are standard and special forms which provide different comprehensive coverages. Liability protection is also included, 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 negligently 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.