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Business Policy Types

Business Owners Policy

A Business Owner’s Policy (BOP) combines business property and business liability insurance into one business insurance policy. BOP Insurance helps cover your business from claims resulting from things like fire, theft, or other covered disasters. … These include claims of bodily injury or property damage.

General Liability

General liability insurance policies typically cover you and your company for claims involving bodily injuries and property damage resulting from your products, services, or operations. It may also cover you if you are held liable for damages to your landlord’s property.

Commercial Lines

Commercial vehicle insurance is a policy of physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto insurance policy.

Property/Lessors Risk

Lessor’s risk only (LRO) is a type of small business insurance for commercial landlords. It protects you in case one of your tenants sues you for property damage or injuries sustained in your building. … The landlord generally must not occupy more than 25 percent of the building leased to tenants.

Commercial Flood

Commercial Flood Insurance protects your business from the financial costs of flood damage. While property insurance policies provide coverage for your property in the event of an accident or natural disaster, flood damage is commonly excluded from these policies.

Commercial Inland Marine

Inland marine insurance is a type of business insurance that helps cover products, materials, and equipment while they are transported on land, such as by truck or train. This coverage is meant to help protect business property that is movable or used for transportation or communication purposes.

Commercial Umbrella

Commercial umbrella insurance gives you extra coverage to help pay for costs that exceed certain liability policy limits. Without this type of commercial insurance coverage, you’d have to pay out of pocket for liability claims that cost more than your coverage limits.

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