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Some business policies combine the benefits of protection from all major property and liability risk on to one package. A “Packaged” policy (Business Owners Policy or BOP) may be appropriate for small to mid-size businesses.

This type of commercial insurance policy was developed for those businesses that generally face the same kind and degree of risk.

Larger companies will typically require their insurance programs to be customized in order to fully meet their risk management needs.

The BOP includes:

• Property insurance, covers buildings and contents owned by the company
  
  
• Business interruption insurance covers the loss of income, resulting from covered catastrophic loss and the extra expenses associated with operating out of a temporary location.
  
  
• Liability protection covers your company’s legal responsibility for damage may cause others. The damage could be the result of something you or an employee has done or failed to do in your business operation which may have caused bodily injury or property damage due to defective products, faulty installations or errors in services provided.

Call us to speak with a Commercial Lines insurance professional who will review your insurance program and discuss ways of managing your company’s risks or request an on-line quote.