Insurance & Employee Benefits
A Business Owners Policy or BOP combines General Liability insurance and Property insurance in a single commercial insurance policy. For many growing businesses BOP's offer small business insurance coverage at very competitive premiums.
Business Owners Policies include:
It can also provide liquor liability as long as the insured's business is not engaged in manufacturing, distributing, selling, serving or furnishing alcoholic beverages. For example if a company distributes alcohol at a company picnic or office party; this is generally called host liquor liability. General Liability coverage can also extend to liability assumed by entering into a variety of different types of contracts, such as a lease agreement or elevator maintenance agreement. Hired and non-
Business Owners Policies generally do not include professional liability, auto insurance, worker's compensation, and health and disability coverage, but may include Employer Practices Liability or EPLI and Professional Liability often covered separately by Errors & Omissions or E & O coverage. This would be dependent on the industry and carrier.
Below is a partial list of the carriers we offer, sell, or service direct or through one of our affiliates: