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.
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.
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.
Who Needs a Business Owners Policy?
List of Services
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Small & Mid-Sized BusinessesList Item 1
Ideal for businesses with a physical location needing property and liability protection.
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Contractors & Service ProvidersList Item 2
Covers independent service professionals from liability and equipment loss.
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Retailers & E-Commerce ShopsList Item 3
Protects against inventory loss, property damage, and customer claims.
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Tech & Professional Services
Great for consultants, IT firms, and marketing agencies needing general liability and property coverage.
