Business Owners Policy (BOP)

Business Owner Policy Coverage Includes

• Property insurance, including buildings, business personal property, equipment and inventory.
• Business income insurance, which covers losses that cause you to shut down or reduce operations for a period of time. This coverage provides protection for lost profits and pays continuing expenses, including expedited expenses. Business income coverage is typically for up to one year for insured losses.
• Valuable papers.
• Accounts receivable.
• General liability protection provides third party bodily injury and property damage coverage. This includes:
  • Lawsuits arising from accidents (for example, when someone slips and falls on your business’ property), or
  • When your product causes bodily injury or property damage to a customer, or
  • Third-party injury that covers offenses such as slander, incidental copyright infringement, and invasion of privacy.
• Crime insurance, which covers loss of money or securities resulting from burglaries, robberies, or destruction, as well as losses from employee dishonesty.
• Commercial automobile insurance coverage for rented or leased vehicles.
• Property of others.
• Electronic data processing equipment (computers).

Additional Coverages Available with BOP Insurance

BOP insurance includes a number of optional coverages, such as:

• Flood insurance
• Earthquake insurance
• Owned vehicle coverage

The Brunswick Advantage

Brunswick Companies offers Business Owners Policies from a wide range of top ranked carriers. With over 35 years of commercial experience, we have the know-how and industry contacts to match your needs with the plan that best suits your risk management and financial goals.