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> BUSINESS OWNER'S POLICY (BOP)
A BOP is a policy that combines protection from
all major property and liability risks in one package. One package
purchased by small and mid-sized businesses is the business owner's
policy (BOP). Package policies are created for businesses that generally
face the same kind and degree of risk. Larger companies might purchase
a commercial package policy or customize their policies to meet the
special risks they face.
1. Property insurance for buildings and contents owned by the company.
2. Business Interruption Insurance, which covers the loss of income
resulting from a fire or other catastrophe that disrupts the operation
of the business. It can also include the extra expense of operating
out of a temporary location.
3. Liability protection, which covers your company’s legal
responsibility for the harm it may cause to others. This harm is
a result of things that you and your employees do or fail to do
in your business operations that may cause bodily injury or property
damage due to defective products, faulty installations and errors
in services provided.
BOPs do NOT cover professional liability, auto
insurance, worker’s compensation or health and disability
insurance. You’ll need separate insurance policies to cover
professional services, vehicles and your employees.
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Copyright © 2005-2014 English Insurance Group, LLC
5005 200th ST SW, Suite 200 B, Lynnwood, WA 98036
Phone: (425) 673-7948 Fax: (425) 673-7942
IMPORTANT NOTE: This Web site provides only a simplified description
of coverages and is not a statement of contract. Coverage may not
apply in all states. For complete details of coverages, conditions,
limits and losses not covered, be sure to read the policy, including
all endorsements, or prospectus, if applicable. Please feel free to
contact us for further information.