Business Owner's Policy

If you are a business owner, it is absolutely mandatory to carry some form of business owners insurance. A business owner’s policy or (BOP) coverage includes property insurance for buildings and contents owned by the company, and liability protection to cover a company’s legal responsibility for the harm it may cause to others.

There are two ways to structure a business owner’s policies.

A basic policy with optional coverage (standard policy) or a comprehensive package where optional coverage are added as endorsements (special policy).

BOP’s do not cover professional liability, auto insurance, workers’ compensation or health and disability insurance. Your businesses will need separate insurance policies to cover professional services, vehicles and your employees’ health/disability needs.

Call a Heritage Group associate today to discuss your business needs.