Learn about the basics of business insurance and the importance of a Business Owners Policy (BOP) in this informative article presented by TCFG.
Sponsored by The Conley Financial Group


General Liability plus Property insurance in one convenient package.
A Business Owner’s Policy (BOP) is one of the most popular bundles for small businesses.
What is a Business Owner’s Policy?
A business owner’s policy (BOP insurance) combines two important types of business insurance — general liability insurance and commercial property insurance — into one package that is usually less expensive than buying the coverage separately.
General liability insurance can help pay for medical expenses if your business is held responsible for an injury to someone who is not an employee, as well as legal costs if they sue your business. It can also help cover the costs if you or an employee accidentally damage someone’s property.
Commercial property coverage helps pay for business goods, gear and inventory and damage to structures and provides business income after a covered event.

BOP insurance has additional benefits:
You save money by bundling two policies into one
You get coverage that’s tailored for small businesses like yours
You can easily manage your BOP coverage, add additional insureds and share certificates online 24/7
A Business Owner’s Policy (BOP) is one of the most popular bundles for small businesses. Depending on your coverage, it can help pay for:
Property damage
If you damage someone’s property or something happens to your business equipment and structures.
Injuries
If someone other than an employee gets hurt and your business is responsible.
Court & legal fees
You need an attorney for a lawsuit, even if you did nothing wrong.
Business income interruptions
If your business has to close unexpectedly and you need help with expenses.
Advertising mistakes
If you are accused of copyright infringement, libel or slander.
Inventory replacement
If your inventory is damaged by fire, water or another source covered by your policy.
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