Business Owners Policy, aka BOP, is a policy that combines property,
liability and business interruption coverage for small- to
medium-sized businesses. Business owner's policies are often the
preferred method of coverage since they provide California business
owner’s with comprehensive coverage that they would often not be
able to afford if they purchased insurance policies individually.
The minimum premium for many business classes starts at $500.
Business Owners Policies are a cost effective means of applying for
many business insurance coverages under one policy. Many businesses
are required to carry liability coverage to occupy office/industrial
space. BOPs are a great way to obtain your general liability
coverage and add additional coverages like business income, theft
coverage, employer's liability and more depending on the carrier.
Examples of how a Business Owner’s Policy can protect your business.
1. Do you have customers come to your California business office,
whether you're in an office building or a retail location? If so, a
Business Owner's Policy provides you with "slip and fall" coverage.
If someone were to become injured while at your business location,
your insurance will cover any injuries or harm sustained by them. It
will also protect you in the event you are sued for such an
accident.
2. Do you operate a California retail location? A Business Owner's
Policy will cover you in the event that your merchandise is
shoplifted.
3. Do you utilize computers and other electronic devices and media
in your California business location? A Business Owner's Policy
provides you coverage if your computer equipment is damaged; you
have damaged software or data loss due to power failures, computer
viruses or other catastrophes.
4. Do you use cash register or store money or securities in your
California business location? A Business Owner's Policy will protect
your money and securities that are used in your business should they
be stolen, lost or destroyed.
5. If your California business is burglarized, a Business Owner's
Policy will pay for lock and key replacement following the burglary
or theft.
6. If you have employees or contractors working at your California
business location, a Business Owner's Policy can protect you against
loss or damage to those individual's property.
- Arroyo has been in operation since 1986
- Choice - Over 35 A Rated Carriers
- Dedicated account manager
- 4 Hour turn around on certificates
- Loss prevention program
- Workers Comp Claims Management
- Personalized Risk Assessment
- 98% Client Retention rate
