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Business Insurance Services

Business Owner's Policy

A Business Owner's Policy (BOP) is a commercial insurance option that's tailored for small to medium-sized businesses. This type of policy bundles general liability insurance and property insurance into a single package, typically resulting in a reduced premium. This can make a BOP a more cost-effective option than purchasing separate policies. Specific coverage included in a business owner's policy (BOP) varies among insurance providers, but most policies require that businesses meet eligibility criteria to qualify.

We are here to help you determine if a BOP is the right choice for your business and customize a policy that meets your unique needs.

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Workers' Compensation

Workers' compensation, also known as workers' comp, is an insurance program that provides wage replacement and medical benefits to employees who are injured while on the job. Workers' compensation can provide weekly payments to replace lost wages, compensate for past and future economic losses, and reimburse or pay for medical expenses. Additionally, benefits may be payable to the dependents of workers who are killed while on the job.

Let us help you understand the details of workers' compensation and ensure your business is properly protected.

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Liability Insurance

Liability insurance is a type of insurance that offers protection against claims made by third parties. This means that payment is usually made to someone who has suffered a loss and is not part of the insurance contract, rather than to the policyholder. Liability insurance typically does not cover intentional damage or contractual liability. If a claim is made, the insurance company is responsible for defending the policyholder.

We'll be glad to help you find the right liability insurance policy to protect you and your business from unforeseen events.

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Business Owners Policy Insurance

Business Owners Policy (BOP) insurance is important for small and medium-sized businesses because it offers comprehensive coverage for both property damage and liability in a single policy. BOP insurance typically includes general liability insurance, property insurance, and business interruption insurance. By bundling these coverages into a single policy, businesses can often save money on premiums compared to purchasing each coverage separately. This type of insurance can provide a safety net for unexpected events such as fire, theft, or lawsuits. For small businesses, which may not have the resources to weather such events, having a BOP policy can provide peace of mind and financial protection.

Workers' Compensation

Having workers' comp insurance not only protects your employees but also your business. Without workers' comp insurance, you could be held liable for all the expenses associated with an on-the-job injury or illness, which can be financially devastating for a business of any size. Workers' comp insurance can help cover these costs and protect your business from potential lawsuits.

Liability Insurance

Liability insurance is a type of insurance that helps protect you if you are sued by someone who is not covered by your insurance policy. It is meant to cover the costs of legal fees and any damages that you may have to pay if you are found responsible for causing harm to someone else or their property.

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