independent insurance agent
BUsiness Owners Policy
Business Owners Policy (BOP) insurance
A Business Owner Policy or BOP is an insurance package that assembles the basic coverages required by a business owner in one bundle. It is usually sold at a premium that is less than the total cost of the individual coverages. Business Owners Policies usually target small and medium-sized businesses and typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss.
A typical business owner policy includes: property insurance, business interruption insurance, crime insurance, vehicle coverage, liability insurance and flood insurance. Depending on additional risks a business owner might face, the business owner and the insurance company can make arrangements on additional components to be added to the original package.
THE BENEFITS OF WORKING WITH AN INDEPENDENT AGENT
An independent agent is a licensed professional with strong customer and community ties who gives you excellent service and competitive prices, because agents can access the insurance coverage from multiple companies.
Assists you when you have a claim and is your consultant, working with you to help explain the different types of insurance and determining your unique needs
Offers you a choice of insurance plans and programs
Is a “value hunter,” who looks after your pocketbook in finding the best combination of price, coverage and service
Offers one-stop shopping for a full range of products, such as home, renters, auto, and business insurance; and can periodically review your coverage to keep it current.
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