A business owner’s policy is like a homeowner's policy for business. This form of insurance combine some of the basic coverages needed by a typical small business into a standard package at a premium that is almost always less than would be needed to purchase these coverages on their own. Business owners also like the simplified nature of the package as opposed to buying each needed coverage on it's own.

A Business Owners Insurance policy is designed for small to medium sized offices, apartments, mercantile, service and business processing. Apartment buildings and residential condo associations are also eligible to qualify for this policy.

Most of the coverages that are needed by small and medium sized businesses, with the exception of commercial truck & auto and worker’s comp, are included. Which makes the whole process of buying the basic insurance coverages easy to understand and saves you money with lower premiums for businesses that qualify for the business owners policy. Business owners policies include property coverage, liability coverage and some additional types of coverage that most businesses owners require. Optional coverages are sometimes added to meet the actual needs of the specific business policy.

Typically the policy includes:

Property insurance.
Business interruption insurance; which can provide money to offset lost profits or to pay continuing expenses.
Casualty or liability protection.
Crime insurance; including losses from employee theft or embezzlement.
Liability insurance covering lawsuits arising from accidents or if you sell a product that damages a customer or their property

If you have any specific questions regarding any business insurance coverage we offer please call 1.866.3.INSURE or click here to fill out the business insurance request a quote form and have one of our knowledgeable agents contact you at a time that suits you best.