A Business Owner's Policy (BOP) is recommended for most small businesses, as it is often the most affordable way to obtain broad coverage. Combining both property and liability insurance, a BOP will cover your business in the event of such things as property damage, suspended operations, or lawsuits resulting from bodily injury or property damage to others.

Our brokerage offers a myriad of coverages to meet your specific insurance needs. Some businesses may find the BOP alone to be sufficient, while others may wish to tailor BOP by increasing key coverages, adding other options, or eliminating unnecessary coverages.

We offer insurance protection for small businesses in the following industry segments:

• Apartment Building Insurance Coverage is designed for owners of buildings used exclusively as apartment houses, including cooperatives.
• Building Insurance Coverage is designed for lessors of commercial buildings occupied by offices, mercantile and retail establishments.
• Business Insurance Coverage is designed for businesses providing personal consumer services, businesses repairing light consumer goods and businesses engaged in printing.
• Condominium Insurance Coverage is designed for owners of buildings used exclusively as condominiums.
• Contractors Insurance Coverage is designed for primarily small residential, special trade contractors.
• Garage keepers Insurance Coverage is designed for independently operated or franchised automotive service and repair businesses.
• Manufacturers Insurance Coverage is designed for manufacturers of electronics, food products, leather goods, instruments, metal goods, paper products, plastic goods, rubber products, textiles and wood products.
• Office Insurance Coverage is designed for a variety of firms providing medical, legal, financial or other professional services for their clientele.
• Religious Insurance Coverage is designed for small churches and other houses of worship not affiliated with operating educational institutions.
• Restaurant Insurance Coverage is designed for various food service establishments such as fast food and family-style restaurants, fine dining establishments, banquet and reception facilities and caterers, as well as the larger family-style restaurants.
• Store Insurance Coverage is designed for a wide variety of retailers primarily engaged in brick-and-mortar commerce.
• Technology Insurance Coverage is designed for technology firms providing computer consultation and a variety of technology services for their clientele as well as manufacturers of electronics and instruments products.
• Wholesalers Insurance Coverage is designed for distributors of various types of durable and non-durable domestic goods.

We offer a large number of built-in coverages that are important for protecting your small business: 

• Business personal property (optional for some businesses)
• Building coverage (optional for some businesses)
• General liability
• Product liability
• Business income and extra expense (optional for some businesses)
• Employee dishonesty
• Equipment breakdown coverage

Small business insurance-specific coverage options are also available, such as:

• Increased fine arts coverage
• Accountants endorsement
• Lawyers endorsement
• Medical and dental office endorsement
• Eating establishment endorsement
• Spoilage coverage
• Bailees customers goods coverage