Cover all your bases
What’s the best way to protect your small business? By getting a policy that covers all your bases. It’s as simple as BOP. A business owners policy (BOP) is your all-in-one solution to protecting your small business from property damage, theft, customer injuries, and more. And with over 110 years of experience, we know how to support you every step of the way.
What is BOP insurance?
BOP insurance is designed with small businesses in mind, blending commercial property and general liability coverage into one convenient policy. It’s comprehensive enough to ensure your essential insurance needs are covered, yet customizable enough to meet the unique requirements of your business.
In essence, BOP insurance is indispensable for any business owner, covering both your assets and your legal exposure, and simplifying your insurance needs.
Do I need a business owners policy?
Protecting your business from unforeseen losses is crucial. That’s where a business owners policy steps in, offering a safety net for your assets, physical premises, and legal liabilities.
At EMC, we specialize in offering business owners policy insurance tailored to suit hundreds of small business categories, including:
- Retail
- Personal care services
- Health care offices
- Auto repair shops
- Restaurants
- and more
What does business owners policy insurance cover?
A business owners policy covers the basic components covered by commercial property insurance, commercial liability insurance, and business liability insurance.
To protect against the financial burden of potential damages and losses, policies like BOP insurance are tailored to cover risks such as fire damage, bodily injury, damage to others’ property or advertising, and personal injury.
Commercial property insurance coverage
This coverage protects both your interior and exterior property, including:
- Your building and its contents, including equipment, inventory, and furniture
- Outdoor property, like signage or fencing
- Compensation for lost revenue from a claim
Business liability insurance coverage
This coverage helps protect your business from accidents like:
- Bodily injury caused by your employees, products, or services
- Damage you cause to the property of others
- Defense and court costs in the event of a lawsuit
What’s not covered under BOP insurance?
As your trusted partner, we offer a wide range of products designed to protect your business from the unexpected. In addition to our business owners policy, which covers property and liability, we can further tailor your insurance protection with these additional products:
Cyber liability insurance
Workers’ compensation coverage
Commercial auto insurance
Errors & omissions insurance
Umbrella insurance
Safety and loss control resources
for small businesses
We’re here to do more than provide policies and process claims—we’re here to protect you, your employees, and your business. Our safety experts can help you proactively reduce your risk exposure through loss control strategies and safety services that add value to your policy—without tacking on extra costs to your premiums.
Hazard control assessments
Slip and fall prevention
Safety program templates
Personalized claims support
As an insurer, we get the chance to do the right thing every day. We’re proud to be known for responsive, empathetic and fair claims handling, always ready to step up and be there for you when you need us.
Our claims service score demonstrates our dedication.
4.6/5
Based on data through Jan. 2024
