Business Owners Policy (BOP)
Put into simple terms, the BOP is a home-owners policy for a business. It is a policy that “bundles” commercial package and general liability into one package. A business uses a BOP for coverage typically when it has annual gross sales of not more than $3-$5 Million.
- Some types of businesses that use a BOP are:
- Bakeries
- Barber and Beauty Shops
- Dental Labs
- Laundry and Dry Cleaning Stores
- Engraving
- Fast Food/Diners
- Funeral Homes
- Gas Stations/Convenience
- Jewelry Repair
- Mailing or Addressing
- Pizza shops
- Printing
- Photography
- Shoe repair
- Tailoring
- Taxidermy
- Television and appliance installation and service
This is by no means a complete list. Is YOUR business right for a BOP? The only way to find out is to talk with us. Also all of our commercial insurance carriers have their unique version of a BOP. Some of them are looking for YOUR business specifically. Ask us about them!
Commercial Property
This insurance provides coverage for your buildings and commercial personal property. Usually this coverage is sold as part of a package including coverage for Commercial General Liability, Crime and Fidelity, Inland Marine, Equipment Breakdown, Farm Property and Commercial Auto. Does a commercial package need to include all of these coverages? Let us work with you to determine what coverage you need.
Commercial Vehicles
This type of insurance has the clear objective of providing auto insurance protections for the autos owned by your business and used for the purposes of that business. There are a number of similarities to personal auto, but a number of very important differences. Talk to us to find out what these are and how your business’s vehicles can be
Worker’s Compensation
If you are paying employees in the state of Connecticut a salary – you need it! This coverage compensates workers who become injured on the job or who incur a work related disease. Worker’s Compensation Insurance also protects you from being sued by an employee.
Group Health
You know what it is and you are looking for cost effective ways to provide it. We have some great options to fit your budget.
Let us help!
