Your tangible assets such as your building and business contents are at risk of loss each and every day. We can cover your assets under either a business owners policy, often referred to as a BOP, or a package policy. The BOP will combine general liability coverage along with the property to provide a single insurance contract at a discounted rate. There are many benefits to this type of policy which we will provide in detail, however, the BOP is intended for smaller, less risky accounts. If your business doesn’t qualify for a BOP, then a package can provide similar benefits on an a la carte basis.

There are numerous consequences that a business can incur if their property suffers damage. The right insurance policy can make dealing with the loss a lot less painful. Covered claims can involve the following types of property:

Building
Whether you own your own building or rent, you have an exposure should the building be damaged due to fire, wind, or other peril. As an owner, you have made a substantial investment and need to protect this asset for its replacement value.
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Business Contents
Whether you own your own building or rent, you have an exposure should the building be damaged due to fire, wind, or other peril. As an owner, you have made a substantial investment and need to protect this asset for its replacement value.
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Equipment
Many clients have business contents that are constantly on the move. These items can be scheduled on the policy so that they are protected for damage or loss wherever they are. A list of the exact items including the make, model, serial number, and value are listed ahead of time with the insurance carrier.
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Loss of Income
A very important part of one’s property insurance portfolio is the loss of income section. This applies to business interruption due to a covered peril involving a property loss.
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You need to discuss all of the potential factors involving any of these losses with an insurance professional to make sure that you have no gaps in protection.