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Business Owner Policy



A Business Owner’s Policy insurance (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


The key advantage of a BOP is that it packages these essential coverages together, often at a lower cost than purchasing the individual policies separately. This makes it an attractive option for small business owners who want comprehensive protection without the hassle of managing multiple insurance policies.







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