Business Owners Insurance
Business Owners Insurance in Washington, Oregon, and Arizona
Business Owners Insurance
As a business owner, you face unique risks. Business Owners Insurance (BOP) offers a comprehensive package that covers both property and liability risks, making it a convenient and cost-effective solution for small to medium-sized businesses. DFG Insurance can help you find the right BOP to ensure that your business is fully protected.
What Does Business Owners Insurance Cover?
Business Owners Insurance (BOP) typically includes the following coverages:
Property Coverage
Protects your business property, including buildings, equipment, inventory, and furniture, from fire, theft, and other risks.
Liability Coverage
Covers bodily injury or property damage that occurs on your business premises or due to your business operations.
Business Interruption
Provides income replacement if your business is forced to close temporarily due to a covered event.
Workers’ Compensation
Covers employees’ medical costs and lost wages if they’re injured on the job.
Frequently Asked Questions
Is Business Owners Insurance required?
While it’s not legally required for most businesses, having BOP is a smart way to protect your business and ensure you’re covered against unexpected risks.
Can I add extra coverage to my BOP?
Yes, you can customize your BOP with additional coverages, such as professional liability, cyber liability, or equipment breakdown coverage.
How do I know if I need BOP or separate policies?
If you own a small or medium-sized business, a BOP is a great option as it bundles multiple coverages into one policy. Larger businesses may require separate policies for more specialized coverage.
