There are key benefits to having a Business Owner’s Policy (BOP) vs a General Liability Policy

The most obvious difference between a General Liability insurance policy and a Business Owner's policy is that there is no Property insurance coverage available to add to the General Liability policy. General Liability is what it is, and there are no additional options or customization. A Business Owner’s Policy is a tailored insurance package for businesses in a particular industry. The package can be adjusted to fit the needs of each individual business, but they come in common packages specific to each industry and offer a lot of bells and whistles that are not provided on a straight up General Liability policy.

  • Get Commercial Property and General Liability Insurance in One Policy – A BOP saves the business owner a lot of money and time by combining a commercial property and general liability policy into one.
  • Avoid Lawsuits Through Premises Liability Coverage – A BOP can help with the legal costs occurring from a lawsuit.
  • Receive Compensation for Damage to Property – Regardless of whether the property is owned or leased a BOP can provide coverage for any destroyed or stolen property on-site when the incident occurred.
  • Get Coverage for Loss of Income – A BOP includes Loss of Income indemnifying the business owner in case operations needed to be halted for a covered loss.
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