Business Owners Insurance
Protect your small business with a BOP
A business owner’s policy or BOP is a type of pre-packaged insurance designed for certain types of small-business owners. A BOP allows business owners to save on insurance costs by bundling multiple insurance policies together for a single affordable premium.
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Most often, the insurance coverage offered by a Business Owner’s Policy includes:
- Commercial General Liability Insurance coverage (protection from claims of property damage or bodily injury).
- Property Insurance (to protect physical assets).
- Insurance for several other types of loss, including business income, advertising damage and more.
A BOP policy can be customized to fit industry-specific businesses meaning it's perfect for businesses of any size, especially small businesses. A BOP is for small 'main street' business owners as the underwriting guidelines are fairly strict and limited to providing coverage to businesses with a lower amount of revenue and square footage. For large more high-risk businesses, the coverage limits offered by a standard BOP are usually insufficient and business owners should consider a commercial package policy.
Be sure to check with your Carter Glass agent whether your BOP meets your business’s needs.
Commercial Property Insurance for Raleigh Businesses
Businesses of all sizes need commercial insurance coverage that reduces risk, fits your budget, and protects your assets. The independent agents at Carter Glass Insurance Agency will take the time to discuss the types of insurance coverage your business might need.
Commercial Property Insurance
Property Insurance protects your commercial building’s structure (owned or rented) from covered causes of loss such as wind, fire, lightning, theft, and burglary. Some policies also provide protection for your business contents including inventory, equipment, boilers, machinery, tools, furniture, personal property and more. It can help coverage business income loss if your business is unable to operate due to a covered event.
The purpose of property insurance for the small business is to provide critical financial assistance in the event of a loss, so that the small business can continue to operate with as little disruption as possible. If you transport goods, you may need goods-in-transit or a separate policy.
Our local, independent agents at Carter Glass Insurance Agency can get to know your business and find the plan that meets your requirements at a competitive price.
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