Business Owners Policy (BOP)

Running a business comes with risks, from property damage to liability claims. A Business Owners Policy (BOP) combines essential coverages—general liability and commercial property insurance—into one convenient and cost-effective package. At Allwood Forlenza Insurance Agency, we help small and mid-sized businesses secure tailored BOP coverage that protects their operations, employees, and assets.

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What Does a BOP Cover?

A BOP policy simplifies insurance for small business owners by bundling critical protections into a single policy. This streamlines coverage, reduces costs, and ensures you’re fully protected without the hassle of multiple separate policies.

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Key Coverages in a Business Owners Policy

  • General Liability Insurance – Protects against lawsuits and claims related to third-party injuries, property damage, or advertising issues.
  • Commercial Property Insurance – Covers physical assets such as office buildings, equipment, and inventory against fire, theft, and damage.
  • Business Interruption Insurance – Helps cover lost income and expenses if your business is temporarily shut down due to a covered event.
  • Equipment Breakdown – Provides coverage for essential business equipment failures, from HVAC systems to machinery.
  • Cyber Liability (Optional Add-On)  – Protects against data breaches, cyberattacks, and the legal costs associated with cyber-related claims.
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