BUSINESS OWNERS INSURANCE POLICY (BOP)

Protect Your Business from Every Angle

The Insurance Bundle for Every Business

A Business Owner’s Policy is one convenient package containing various insurance products that protect businesses from property and liability risks. This package policy is designed for small and medium-sized companies and helps keep the lights on in the case of business interruption or other covered losses.

What to Know About a Business Owners Policy (BOP)

Business Insurance transfers the financial consequences of a covered incident to the insurance carrier.

BOP is the ideal coverage for business owners with fewer than 100 employees, less than $5 million in sales, and who need coverage for property or equipment that must be protected. Note that BOPs do not cover Professional Liability, Business Auto, Worker’s Compensation, and the like.

Here are coverages typically bundles in a BOP:

Liability Protection

This coverage may protect your company if someone is injured or their property is damaged, and your business is found to be liable for the incident.

Business Interruption

This coverage guards against a loss of income that may result from a catastrophe. It may even cover temporary relocation so that work and payments can continue. Example: A company sends you products to sell on a net-30 repayment plan. If you have a loss and don’t sell the product, this helps you make payments and not damage your credit and B2B relationship.

Commercial Property

Whether you operate out of a commercial building or an office, this type of coverage may include your work equipment. If you work out of your home, your Home Insurance will cover the house and Commercial Property will cover your business’s physical assets.

Why Do You Need AIS?

Whether your buy a policy online or speak with our specialists, AIS will go above and beyond to help you meet your Business Insurance needs. This is valuable to business owners as we continue to look for the best rates and coverage for your business as it evolves, grows, and adapts. AIS’s Business Insurance department is made of a group of experts—true specialists that listen to your needs and have a deep understanding of your potential areas of liability.

Whether you’re using your car for work, have a designated vehicle, or have a fleet, AIS can help you find the right Business Auto coverage. Choosing an insurance policy for your business can be more complicated than buying a personal policy. See how much money we can help you save while providing the best coverage for your company’s Auto Insurance needs.

Additional Insurance Coverages to Bundle

Wouldn’t it be great if you could save money on insuring your business and all of its assets? AIS finds affordable coverage for a wide variety of businesses.

We compare the best rates from multiple trusted carriers, so you know you’re getting the best protection for the best price.

See All Coverages