Business Owners Policy

1. This package combines general liability with coverage for your business equipment (computers, office furniture and other property). Optional upgrades can include:

   • Office buildings coverage

   • Crime package upgrade

   • Data liability upgrade

   • Hired/non-owned vehicle liability

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Also known as a business owners policy or BOP insurance, a business owners insurance policy combines general liability coverage and protection for your business equipment, such as computers, printers, copiers and office furniture.

 

Most BOP insurance policies only offer a one-size-fits-all package. We believe in customizing your small business owners insurance coverage to suit your specific business needs. We also offer a range of coverage upgrades including office insurance, hired or non-owned vehicle insurance, a commercial crime insurance package and an electronic data loss package.

 

 

Who needs business owner insurance?

If you want to combine general liability insurance with coverage for your business equipment and other risks, this is for you. Consider a business owners policy if you:

• need general liability insurance coverage.

• have business equipment such as computers, printers, furniture.

• own the building from which you work and need to insure the property.

• own and work with large amounts of data on a regular basis.

• have employees that could act dishonestly or steal client’s property.

 

Main elements of Business Owner Insurance

General liability insurance (included in all BOP policies)

General liability insurance, which covers third party claims arising from bodily injury, as well as the associated medical bills. It also covers liability claims linked to damage of a third party’s property and more. 

 

For more information, see our general liability insurance coverage page.

 

Business equipment insurance or business personal property insurance (in all policies)

We automatically include a limit of $10,000 of coverage that can be increased if needed. We also provide $10,000 default coverage for equipment you take away from your office such as laptops, projectors or other insured equipment, with up to $100,000 possible by calling us. Items are even covered against accidental damage.

 

For more details and some helpful claims examples see our business equipment insurance page.

 

Office insurance or commercial property insurance (optional)

If you own your office, you’ll likely need to insure the building against risks such as fires, as well as business interruption coverage, which covers related expenses like lost income, up to the applicable policy limit if your business can’t operate because of an insured loss.

 

 

For more details and some helpful claims examples please see our office insurance coverage page.

 

Hired or non-owned vehicle liability insurance (optional)

This upgrade protects your business in situations where an employee using their own (or rented vehicle) has an accident while driving for business purposes and your company is held liable. 

 

For more details and some helpful claims examples see our hired or non-owned auto liability insurance page.

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