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In order for a business to protect itself from a variety of things that can go wrong, such as theft, physical accidents, etc., all business owners should hold what is known as a Business Owners Policy (BOP) (Plano, TX and Allen, TX included). Your business is essentially as important as your home, as, generally, it is the source of income that provides you with your home. To put it in even simpler terms: No Business = No Home.

Components of a BOP

In general, BOP’s will contain: Property Insurance, Business Interruption Insurance, and Liability Protection. Property insurance is the aspect of the BOP that covers the both the building and the property, owned by the business, kept within the building. The extent of property insurance depends on what the business owner is willing to pay. More or less comprehensive coverage can be obtained within a Business Owners Policy as it is desired.

Business Interruption Insurance is a very important aspect of a Business Owners Policy. This is the part of the policy that protects the business owners from any potential loss of income that occurs as a result of a disaster, such as a fire or an earthquake. This part of the BOP may cover the profits that a business would have made should the disaster not have happened, and overhead (such as rent) that is being incurred while the business is incapacitated. It may also pay for a business to temporarily relocate as well as any other expenses deemed reasonable by the insurance company. The liability protection will generally cover any sort of bodily injury or damage to property that your business may be held liable for.

Homeowner Quote
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Business Policy Quote
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Health Quote
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Life Quote
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Automobile Quote
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