How to Buy Car Insurance (Step-by-Step)
New to car insurance? From picking an agent to selecting coverages, this guide walks you through each step so you can feel confident in your decision.
Find Out How ➜
What is a business owners policy?
A Business Owners Policy (BOP) is a packaged business insurance policy that typically combines two core protections in one plan: commercial property coverage and general liability coverage.
It can help protect your business if your building, or equipment is damaged from a covered loss. A BOP also covers liability if you're held responsible for a loss on or off the premises.
As an independent insurance broker, we shop multiple carriers and help find the coverage that makes the most sense for your organization.
What's covered vs. what's not?
You can get all the insurance in the world but the truth is you can't protect your business from every risk.
What's Covered?
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Building / business property (owned or leased)
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Legal defense costs (within policy terms)
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Products & completed operations
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Extra expense (keep operating after a covered loss)
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Fire
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Debris removal
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Tools
What's Not Covered?
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Employee injuries (that's workers' comp)
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Professional errors/consulting mistakes (E&O / professional liability)
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Pollution / environmental liability (often excluded or limited)
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Commercial auto accidents (commercial auto policy)
Flexible coverage that meets your business goals
With the right insurance in place, you can focus on serving customers and growing—knowing your core risks are covered.
Options that fit your business
A BOP isn't one-size-fits-all. We tailor limits, deductibles, and add-ons based on your building, equipment, revenue, and day-to-day operations.
Protection for property + liability
From fires and theft to customer injuries and property damage claims, we build coverage around the risks business owners face most often.
Expert guidance—beyond the policy
We help you understand what's covered, what's excluded, and where gaps can happen—so you're not surprised when it matters most.
Helping you understand BOP insurance
Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.
Business insurance built on trust—backed by a broker you can reach
More than a quote: clear guidance, real options, and coverage built around your business. Hit Get a Quote, fill out the form, and one of our brokers will reach out
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