Small Business Insurance
Designed for You, By You.

We offer Business Owner’s Policy (BOP) Insurance which delivers a-la-carte convenience that allows you to cover what you need, and nothing you don’t.

Business Insurance We Cover

Want Protection for Every Rainy Day?
Better Bundle Up.

Our BOP Insurance combines general liability with commercial property insurance into one convenient and cost-effective package.

General Liability Insurance

The General Liability Section of our BOP package policy mainly covers the most common risks that affect today’s small businesses, including:

Liability insurance

Accidental Customer Injuries

If a customer slips, trips or otherwise sustains bodily injury on your premises.

Advertising Damages

Advertising Damages

If you are taken to court for using improper images or copyright infringement in your advertising.

Property Damage

Property Damage

Damage caused by you to equipment, furniture or fixtures of a third party.

Reputational Liability

Reputational Liability

Covers libel, slander and defamation lawsuits by a client.

Legal Fees

Legal Fees

Covers your legal defense costs and fees if someone sues your business. This is important, since businesses can be sued even when it’s not clear that they were liable for any damage caused.

Commercial Property Coverage

The Commercial Property Section of our BOP package policy mainly covers business goods, equipment, furniture or fixtures, inventory as well as damage to the structure of your property, including:

Inventory Damages

Inventory Damages

If an occurrence at your warehouse or retail location, like water damage or fire, damages or destroys your inventory.

Theft of Goods

Theft of Goods

If someone steals items or equipment that you use to run your business.

Equipment Breakdown

Equipment Breakdown

Coverage for the shutting down of vital equipment such as an HVAC system.

Income Interruptions

Income Interruptions

If your property is damaged and you need to shut down your business operations for an extended period of time, causing you a loss of income due to covered losses.

Building Damage

Building Damage

If part of your commercial building is destroyed accidentally.

Additional Coverages You Can Add to Your Business Owner’s Policy Insurance

There are a number of Additional Coverages that can be easily selected and added to your Business Owner’s Policy as part of our online purchasing process, to help tailor coverage to your specific business needs. For each business type and occupation, the Additional Coverages are categorized into Recommended and Optional Coverages, and for each you can easily see the recommended limit amounts and the corresponding specific additional price.

Our most popular Commercial Property Additional Coverages include:

Outdoor Signs

Outdoor Signs

This coverage protects you in case of physical damage due to a covered loss to outdoor signage that serves various purposes.

Money & Securities

Money & Securities (On & Off Premises)

This coverage pays for loss of money and securities used in your business, due to theft, disappearance or destruction on-premises or anywhere else.

Identity Fraud

Identity Fraud

This coverage pays up to the limit chosen for the sum of all expenses incurred by you as the direct result of all acts of identity fraud, first discovered or learned of during the policy period.

Employees’ Tools

Employees’ Tools

This provides coverage for employees’ tools which are used in connection with your operations, and are added as business personal property. Such property is covered while away from the described premises.

Our Most Popular General Liability Additional Coverages Include:

Professional Liability

Professional Liability

This coverage is available for select business types and occupations, and it can help cover bodily injury, property damage or personal and advertising injury arising out of the rendering of or failure to render applicable professional services in connection with the operation of your business.

Hired & Non-Owned Auto Liability

Hired & Non-Owned Auto Liability

Hired Auto Coverage applies to bodily injury or property damage arising out of the maintenance or use of a hired vehicle by you or your employees in the course of your business. Similarly, Non-Owned Auto Coverage applies to bodily injury or property damage arising out of the use of any non-owned vehicle in your business by any person.

Electronic Data Liability

Electronic Data Liability

This provides coverage against damages due to loss of electronic data that is caused by an electronic data incident. Loss of electronic data means damage to, loss of use of, corruption of, inability to access, or inability to properly manipulate, electronic data.

STOP GAP

STOP GAP / Employers Liability

This coverage provides employers liability protection for work-related injuries arising out of exposures in monopolistic fund states (fund workers compensation policies do not provide employers liability coverage). For employers operating exclusively in a monopolistic fund state (such as Ohio), this coverage can be added to the employer’s liability section of a BOP policy.

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