Boardwalk Insurance Group

Business Owners Insurance aka BOP Policies

Business Owners Insurance aka BOP Policies 3.50/5 (70.00%) 2 votes

If you are the owner of a small business, you more than likely need to carry some form of insurance.  Your landlord will want you to carry commercial general liability coverage to protect their investment and you will want to cover your business assets and contents in case of fire or theft.  Insurance for small business owners can be affordable if placed with the right insurance company.

Boardwalk Insurance Group has a variety of insurance plans designed for small business owners.  We have specialty programs for the following types of businesses:

•    Ice cream stores and shops
•    Dry cleaners
•    Mailbox and postal shops
•    Restaurants, cafes, coffee shops and food delivery businesses
•    Convenience stores
•    Shoe stores
•    Clothing stores
•    Electronics shops
•    Appliance sales and repair
•    Mechanics, auto detailers, auto dealers, and car service shops
•    Gas stations
•    Barber shops, nail salons, waxing boutiques
•    Flower shops
•    Pharmacy
•    Limo drivers and companies
•    Delivery companies and couriers
•    Shuttle services
•    And many more

Typical Product Features:
•    Business owners Form (If eligible)
•    Package
•    Monoline Liability
•    Monoline Property

Broad Eligibility Requirements
•    Over 75 Classes selected for preferred treatment
•    Up to $3,000,000 in annual sales
•    New ventures eligible
•    Low Minimum Premiums

Liability Features:
•    Limits available up to $1,000,000 occurrence/$2,000,000 aggregate
•    Expanded definition of Bodily Injury to include Sickness or Disease caused by Mental Anguish or Emotional Distress
•    No Liability Deductible
•    Pollution Exclusion has Hostile Fire Exception
•    Hired and Non-Owned Auto Liability Coverage available
•    Commercial Excess General Liability, Umbrella available up to $5,000,000

Property Features:
•    Broad Property Coverage using ISO’s April ’02 coverage form
•    Equipment Breakdown – Includes free boiler inspection if required in your jurisdiction
•    Value Plus Endorsement available providing 15 coverage extensions and enhancements
•    Special Cause of Loss and Replacement Cost available
•    Up to $3,000,000 in Property limits, $500,000 in all Coastal Areas