A BOP, or business owner policy, includes basic coverages needed by a business owner in one policy instead of a number of separate premiums. No matter what your business is, a tailored BOP will ensure you’re starting out on the right foot and covering your assets in a smart, affordable way. 

Sleep soundly knowing you’re already one step ahead. 

What Is In Your B.O.P?

A business owners’ policy will include three main categories of coverage.

Commercial General Liability Insurance

-protecting your business from claims or lawsuits having to do with everyday work

Commercial General Liability Insurance can help safeguard your business against damages that can be caused during the course of normal business operations. It can provide protection from a variety of claims or lawsuits, ranging from a customer slipping on a wet floor, a defective product causing damage to a client’s property, or other claims that the products or services you provided caused injury. It can also protect you from libel, slander and certain legal claims related to advertising. 

“He said what!?!”


Commercial Property Insurance

-protecting property you own, lease or rent. This also includes your building(s), equipment, furniture, inventory, and yes, even fixtures.

Commercial Property Insurance can help protect the business property you own, lease or rent, including assets like your buildings, equipment, furniture, fixtures and inventory. It can also help cover the costs to repair or replace stolen, damaged or destroyed property, including property and equipment that isn’t yours but is in your care and custody.


Business Income and Extra Expense Insurance

-Giving coverage if your business shuts down temporarily due to covered circumstances like a fire. Includes rent, payroll, and other financial responsibilities, which property is repaired or replaced. 

Business Income and Extra Expense insurance (BIEE) provides coverage when your business shuts down temporarily due to a fire or other covered loss. It helps replace your income and covered expenses like rent, payroll and other financial responsibilities while your property is being repaired or replaced.

“This policy needs to be as air-tight as the sealant on my boat’s teak.”


Your business is?

A BOP or business owners’ policy may help you if you are one of the following businesses. As you can see, the list is quite inclusive to many industries.

  • Commercial Real Estate
  • Contractors
  • Financial Services
  • Garages
  • Healthcare
  • Manufacturers
  • Personal Care Services
  • Pet Care Services
  • Printers and Publishers
  • Religious and Cultural Organizations
  • Restaurant and Food Service
  • Retail
  • Service Businesses
  • Technology Services
  • Wholesalers and Distributors


Tailored Solutions

Next time you Google, “best bop insurance companies,” remember to call us up to get a free quote for your small (or large) business’ insurance needs. A comprehensive quality could be the affordable, air-tight solution you’ve been hoping for since you’ve opened your doors. 

In Conclusion, business owners insurance is far-reaching and more affordable than you might think. Having a team like the one at J.M. Whitney and Companies will be there to assist at every step of the way, no matter what happens. 


Get a free business owners policy quote! 

J. M. Whitney Insurance is an independent insurance agency located in Watertown, Massachusetts. Give us a call, stop by, or request a quote online to find out how much we can save you on your insurance.

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