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Bundle your small business general liability coverage with other insurance to save time and money.

Small business bundle insurance to protect your dream

Owning a small business can be a lifelong dream, but it also requires a substantial investment of time, energy and capital. If you’re a small business owner with complicated operations or a significant number of employees, equipment and real estate, you might be wondering how best to protect that investment. Insurance coverage to protect your business from accidents and catastrophes is one line item in your budget you don’t want to neglect. But how do you know what kind of business insurance policy to look for?
Business owner’s policy insurance, otherwise known as BOP insurance, simplifies the process of buying insurance to cover your small business. This policy, which often includes liability coverage, property damage and business interruptions, can be an affordable and comprehensive insurance policy for your commercial insurance needs. Business owner’s insurance policies aren’t a perfect fit for all companies, so you’ll want to pay close attention to whether you qualify for coverage. By bundling these types of coverage together, you can often save time and money—allowing you to focus on what matters: running your business.
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What does a business owner’s policy cover?

Business owners insurance coverage often includes different types of damage or loss, but some of the most common protections include:

Property Damage

A business owner’s policy often looks at property damage from the perspective of named-peril coverage. What this means for a business owner is that they’re covered for damage caused by events specifically listed in their policy. Most often, business owner’s policies provide coverage for fire, wind, vandalism, smoke, explosions or other catastrophes. Other BOPs can offer coverage for “all risks,” but this is usually a special BOP versus a standard one. Make sure to clear any questions about what is and isn’t covered in your requested policy prior to making a decision.
BOPs typically include coverage for buildings (both owned and rented) as well as business-owned items. It also may cover third-party items that are temporarily in your care or control. Covered business property usually needs to be stored or kept within close proximity of the premises.

Business Interruption

An accident or property damage doesn’t just impact your place of business, it can also put a hard stop to your operations. Business interruption coverage can protect you in the event of lost income due to an interruption to your business’s normal routine. In some cases, the business interruption coverage can even help offset the extra expenses of finding a temporary place to set up shop. It’s a vital part of any BOP policy.

Liability Protection

Having liability protection insurance as part of your BOP can help cover your legal responsibility for damages sustained by other parties. The damage in question needs to happen as a result of regular operations, but it can encompass bodily injury or property damage. If you’re worried about defective products, faulty installations or errors in services you provide, a BOP policy is worth considering.
Liability coverage can even extend to your computer operations or material loss due to a system outage or other issues with cybersecurity.

Auto Coverage

For some businesses, your fleet of vehicles is your lifeblood. But paying for auto insurance for each individual car or truck can be expensive. Commercial auto insurance is often more affordable for small businesses than individual car insurance or even multi-car policies. Including these in your BOP can reduce the costs of insuring these vehicles even more.

Workers Compensation

If your workers are injured on the job and aren’t found to be negligent, it’s typically your responsibility to help provide for them. Workers compensation coverage can help offset the costs of paying them for their downtime while also protecting you from financial liability. Workers compensation insurance can be expensive, but wrapping it into a BOP can reduce the premiums for this coverage.

Other Considerations

Depending on the type of business you own, you may look at other additional business owner’s policy coverage. This can include crime insurance and flood insurance. Other types of coverage can include protections for spoiled merchandise, computer equipment, forgery and mechanical breakdown. If you do seek a policy with these inclusions, be aware that the coverage limits are typically low.
BOP insurance can sometimes include professional liability, health or disability insurance coverage, but the inclusion of those items varies by insurance company.

Comprehensive coverage that can save you money

When shopping for a business owner’s policy, one size usually doesn’t fit all. Your small business needs may differ from your neighbor’s. But bundling liability, property damage and business interruption coverage into one policy can often save you money. When shopping for a BOP, perform a risk assessment to inform your decision about choosing a level of coverage1.
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What types of businesses are best for BOP insurance?

Businesses that are conducted on the premises are typically categorized as eligible for BOP insurance, but not all types of businesses qualify. Different insurance companies have specific requirements, but as a general rule of thumb, the factors involved are location, business size, revenue and type of business. Common types of business that usually apply for BOP insurance include:
  • Auto service and repair shops
  • Commercial buildings and property owners
  • Professional offices
  • Restaurants
  • Retail stores and service providers
For other types of businesses with employees who travel for work, such as HVAC technicians, plumbers, electricians or cleaning services, you may still qualify for business insurance.

Let SelectQuote find the right BOP for you today

If you’re a small business owner concerned with the cost of finding the right insurance policies for your facility, employees, equipment and/or products, you can likely save time and money by bundling that coverage into one business owner’s policy.

No matter what type of business you run, SelectQuote can help find the small business insurance coverage that works for you. Protect your investment and find significant savings by letting us shop for your business owner’s coverage. Compare quotes from several trusted commercial insurance companies and buy the coverage that works for you.
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1 https://www.sba.gov/business-guide/launch-your-business/get-business-insurance
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