Business Owner’s Policy (BOP)

Standard Coverage

• Commercial General Liability - Covers your business’ legal responsibility for any injuries occurring to others, as well as attorney fees and medical bills, up to the policy limit.

• Commercial Property Insurance - Will cover losses to the building your business rents or owns. It also covers equipment, furniture, computers and anything else that is considered vital to your business operations.

• Business Interruption Insurance - Sometimes called Business Income Insurance, helps replace lost income and pay for extra expenses when your business is affected by a covered peril.

Common Additional Coverage

• Cyber Liability & Data Breach Expenses - Coverage designed to protect you and your employees from cyber extortion, ransomware & phishing attacks. Generally covers your business' liability for a data breach involving sensitive customer information, such as Social Security numbers, credit card numbers, and account numbers,

• EPLI (Employment Practices Liability Insurance) - Protects your business against wrongful termination, discrimination or sexual harassment suits from your current, prospective or former employees. This coverage applies to directors, officers and employees, and can sometimes extend to third party liabilities.

• E & O (Errors & Omissions) - Safeguards against significant loss in the event of a lawsuit due to a negligent act, error or omission by you or an employee. Can also protect against slander, libel and breach of contract.