Business Owners
You focus on your business; we’ll focus on protecting it.
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What's covered. And everything else.
Covered
- Property coverage
- Liability coverage
- Business income coverage
- Additional coverages (like equipment breakdown, cyber liability, or employee dishonesty)
Not covered
- Professional errors or negligence
- Employee injuries
- Vehicle-related incidents
- Intentional damage or illegal acts
- Damage from certain natural disasters like floods or earthquakes
- Cyberattacks (unless added separately)
And answers.
Common questions. And answers.
Can I add extra coverage to my BOP?
Absolutely! You can customize your BOP with extra coverage options like Cyber Data Compromise, Equipment Breakdown, Water Back-Up and Sump Overflow, Money & Securities, and even a Businessowner Enhancement to give your policy an extra layer of protection.
Are my employees covered under a BOP?
No. Employee injuries are covered by workers’ compensation insurance, which is separate from your Businessowners Policy.
How does business income coverage work?
Business income coverage helps replace lost income and ongoing expenses if your business must temporarily close due to a covered loss, so you can stay financially stable while you get back up and running.
Does a businessowners policy cover leased or rented business property?
Yes! A businessowners policy can help protect the equipment, furniture, and inventory you use in a leased or rented space, while the building itself is usually covered by the property owner.
Do I need a Businessowners policy if I work from home?
You may. If you work from home, a Businessowners Policy can help cover business equipment and liability that a homeowners policy typically doesn’t, giving your home-based business extra protection.
Available Discounts:
- Multi-policy or bundle
- Claims-free
- Experience or loyalty
- Safety and security
- Paying annually
- Higher deductible savings
- Group or association
- Location or construction
Discounts vary by state and program and may be subject to underwriting eligibility and filings.
Important: Coverage availability, terms, limits, and exclusions vary by state and program. The policy governs; this website is a high-level summary and does not modify or replace the policy.