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New customer to Sun Coast? You are in the right place. Select a product below to get started.
New customer to Sun Coast? You are in the right place. Select a product below to get started.
A Business Owner's Policy is a convenient package for small business.
A business owners policy, also known as BOP insurance, is a policy that combines both property and liability coverage into one convenient commercial package. It’s popular among a variety of small and medium-sized businesses such as offices, restaurants, wholesalers, retail stores, and contractors. Discover more about BOP coverage, cost and how you can protect your business through buying a Business Owners Policy through the Sun Coast commercial programs. There are two primary coverages that the BOP covers:
The liability coverages available on a BOP are the same as those on a general liability policy. This includes protection against liabilities like customer injury and property damage, advertising injury, and product related claims. A BOP doesn’t cover your employees. You’ll need a separate worker's compensation policy.
Provides coverage for commercial buildings and the movable property owned by and used for the business - referred to as business personal property. It can also pay for other things like debris removal, loss of income and pollution cleanup as part of a covered loss.
A BOP policy, like most other policies, has certain coverage exclusions that you should be aware of. If you need protection for something that isn’t covered, policy endorsements might be available to extend coverage.For example, damage from earthquakes is typically excluded from a BOP. If you live in an area that’s prone to earthquakes, you might want to consider adding an endorsement to your policy to extend coverage. Ask about endorsement options when getting your quote.
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