Business Owners Policy

Business Owners Policy

BOP Insurance: The Smart Way to Insure Your Company

Most business owners can sleep soundly at night when their business is like a chess board and all the pieces are moving as they planned. However, there are unexpected situations that can happen which will affect their smooth sailing. Natural disasters such as Windstorm and Hurricane can knock out power, which results in an interruption of work. At a time when businesses rely heavily on technology, no office can function without the technology of computers. Man-made tragedies such as fires can also ruin a business. Once these situations happen, there is no turning back. Businessmen can only pick up their feet and move forward.

Smart entrepreneurs and businessmen invest in business owners policy, also known as BOP insurance. By investing in these, they combine their property and liability coverage in a sole policy. BOP insurance provides their clients the protection they need at a price they can afford. Businessmen save more when they acquire their property and liability coverage in one insurance claim as opposed to purchasing these from two different companies.


Business Owner's Policy Insurance is an insurance policy that resembles a homeowner's insurance for his home. Whether the business is small or medium sized, the policy covers the business' expenses especially at times of tragedy. Businessmen need not worry about getting through unexpected interruptions because the policy assists them in generating cash flow to keep their businesses afloat.

BOP Insurance includes:

  1. Property insurance. This protects inventory, equipment and the very building of the business.
  2. Business Income insurance. This protects the business from the losses that are results of suspending the company's operations.
  3. Bodily Injury and Property Damage Liability. This is appropriate for situations where employees, services and products cause harm to others as well as their properties.
  4. Personal and Advertising Injury. This is for copyright infringement, slander and libel.
  5. Medical payments coverage. No one can tell what the future has in store. At least with medical insurance, businesses protect their employees from spending most of their savings for medical expenses resulting from injuries occurred within the premises.
  6. Hired Auto Coverage or Rented Vehicle Coverage. This provides liability coverage for vehicles leased, hired or borrowed by the insurance policy holder. For non-owned Auto Coverage, employees have liability to use their own vehicles in the business. Both provide liability coverage.
  7. Equipment breakdown coverage. This protects the insurance holder if their equipment is damaged from operator error, burnout, mechanical breakdown or power surges.

Customize Your BOP Insurance Policy

BOP gives their clients the freedom to customize their policies. If they believe that they don't need to pay for that specific coverage, then they can ask the insurance provider to remove these. In doing so, they pay less but there's also less security for them. If they signed up for the complete coverage then they are positive that the BOP insurance will be there to help them get back on their feet whenever it's called for.

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921 East County Line Road, Suite B2 
Lakewood, NJ 08701 

Tel: 732.730.8700
Fax: 732.960.2302

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