Business Owners Insurance - NY, NJ, CT and FL
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The Business Owners policy, or commonly referred to as BOP; was designed as a complete coverage package for the Small Business Owner.
What does business owners insurance cover?
The policy mimics the comprehensive feature of the Personal Homeowners policy. Both policies types package physical damage for structure and contents with General Liability and Medical coverage to protect the owner from liability claims.
Prior to the BOP, an insured would have to build a policy coverage by coverage. The BOP packaged all the coverage together making the purchase much easier. The BOP also offers coverage for the loss of income or loss of use of property while the insured structure is being restored after a loss.
There is also Auto coverage for employees who may use their own car on company business or if the owner or designated employee when renting a car for the business. There are other coverage's that can be chosen based on the need of a particular type of business.
It should be noted that the BOP does not include an Umbrella Liability Policy or Workers Compensation. Generally the company issuing a BOP will write these polices but under a separate form with their own policy number.
Thank you for your interest in Insurance Made Easy/John Murphy Insurance. We work with companies in New York, New Jersey, Connecticut and Florida, just to name a few. We bring Knowledge, Trust and Professionalism to every client. Please feel free to call our office at 914.522.0461 ore email us and an insurance professional will reply promptly.