Business Owners Policy (BOP)

Business Owners Policy (BOP)

Business Owners Insurance Policy

There are many aspects to running a company that business owners need to keep in mind. Everything needs to be taken into consideration – from keeping track of receipts to ensuring that product supplies remain fully stocked. One aspect, though, that should not be overlooked is a comprehensive insurance policy.

Business Owners’ Policies, or BOPs, are insurance policies designed for business owners. BOPs typically combine property insurance and general liability into one convenient package. For this reason, they are sometimes referred to as “package policies.” As these types of policies target mainstream – usually low-risk – businesses, insurance carriers are able to offer them at very competitive prices.

A comprehensive policy will protect owners against a multitude of scenarios that could happen to any company. Whether it’s injuries or stolen or damaged business property, owners can rest assured that they are fully covered.

Occasionally, the coverage limits of a BOP can be less than a company’s potential liabilities. If this is true for your business, you may want to consider umbrella coverage. Umbrella liability insurance for small businesses – also known as excess liability insurance or commercial umbrella insurance – provides additional protection when your company exceeds insurance limits on an underlying policy.

Aegis Insurance Markets will take into account the individual needs of each business and find a provider that will supply it with comprehensive coverage. A company’s location, type of industry and other specific factors should be taken into consideration by an owner. That way, Aegis can be sure to find the best insurance policy for an organization.

The following is a partial list of the types of businesses we can write. Call Aegis Insurance Markets to see what we can do for your company.

♦ Accounting and Bookkeeping
♦ Adjusters – Independent
♦ Advertising Agencies
♦ Antique Stores
♦ Appliance Stores
♦ Architects – Consulting
♦ Artists – Commercial & Graphic
♦ Attorneys
♦ Bakeries
♦ Banks
♦ Beauty Salons
♦ Book Stores
♦ Chiropractors
♦ Clothing Stores
♦ Convenience Stores
♦ Dentists and Dental Surgeons
♦ Draftsmen
♦ Dry Cleaners
♦ Electronics Stores
♦ Florists
♦ Funeral Homes
♦ Health Insurance
♦ Real Estate Office
♦ Medical Clinics
♦ Mortgage Brokers
♦ Photocopy services
♦ Photographers
♦ Printing & duplicating
♦ Property Managers
♦ Tax Return Preparation
♦ Travel Agencies
♦ Watch, Clock & Jewelry Repair
♦ Window Cleaning.