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Business Owners Policy

A Business Owners Policy (BOP) is a business insurance policy that provides a package of basic coverage for most small to medium sized businesses. A BOP offers coverage that is normally less expensive than if it were purchased separately. BOP policy coverage includes property coverage for your building, liability coverage, contents coverage for inventory, equipment and fixtures and business interruption to replace lost income for up to a year in the event of a covered loss.

Many other coverage options are available such as crime, glass breakage, outdoor signage, valuable papers and records and electronic data recreation may be available depending on the particular company.

Some examples of businesses that purchase BOP policies include: retail stores, service related businesses, professional offices, dry cleaners, wholesale suppliers, motel and hotel, deli’s and coffee shops.

TMT INSURANCE represents a number of companies that offer Business Owner Policies. It is important that the policy and coverage you select matches your business needs. By working with an experienced TMT INSURANCE agent you can avoid gaps in coverage and determine which company and policy is right for your business.

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