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Business Owners Package (BOP)

Double your protection. Essential for all businesses combines General Liability; injury or damage you cause to someone outside your organization. As well as Property Loss; fire & theft covering your office contents.

What is Commercial Office Package Insurance good for?

Business Owners Policy (BOP) Covers both legal liability and the contents of your office.

Liability covers your legal liability for personal injury or property damage towards a 3rd party as well as protection from fire, water or theft of your owned property at your business location. Considered to be the basics of a commercial insurance policy

Who is Commercial Office Package Insurance for?

Commercial lease holders, offices, retail and home based businesses. This basic but full featured policy is essential for any business wishing to stay protected against 3rd party negligence claims.

Why would I need Commercial Office Package Insurance?

General liability and owned property insurance helps protect businesses from being sued and the loss of equipment, furnishing and inventory. The coverage includes protection for bodily injury, property damage, and personal or advertising injury claims.

A general liability insurance policy (CGL) is known as business liability insurance. This insurance can be tailored specifically to the needs of your business. For example, you can easily extend your coverage to any individuals you may need to add due to a business contract. We can also help you save money by providing discounts for installing specific safety equipment.

Commercial property insurance is designed to protect the physical assets of a business against loss or damage from a broad range of causes. A fire, hurricane, ice storm, earthquake and water damage are just some of the natural disasters that business owners need to contemplate. Vandalism is another possible threat to business operations.

As a business owner, the law doesn’t require you to have business insurance. However, it is essential coverage that helps set your business up for success in the future. It also helps protect you when something unfortunate happens to you, your company, or your employees.

What does Commercial Office Package Insurance cover?

Say a customer trips and falls while shopping in your gift shop. They then sue you for the medical costs associated with their injury. Your general liability insurance can help cover these costs.

In another example, say you work as a contractor, and you accidentally damage a customer’s valuable china while working in their home. Your general liability insurance can help cover the costs associated.

Losses can occur at any moment during any day. Having the right business insurance can help protect you in situations like the ones mentioned above. In some cases, business insurance may even help you avoid closing your operation entirely from any lawsuits filed against you.

What does Commercial Office Package Insurance not cover?

  • Pollution
  • Nuclear Energy Liability
  • Asbestos
  • War
  • Terrorism
  • Fungi and fungal derivatives

What does Commercial Office Package cost?

Prices vary depending on revenue you earn. For simple operations, $1,000,000 liability can be purchased for as little as $390 for a full year. Property insurance is priced / $ of value.

Why buy your Commercial Office Package insurance from InsureCert?

Easy

We’ve made it easier than ever before to complete the purchase and get coverage. How easy? We don’t even need to see equity ownership or financial statements from you.

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Affordable

As a digital company, InsureCert passes the savings for unnecessary administration on to you—for the most competitive price you’ll find anywhere.

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Complete

Protect your startup with the broadest coverage in the industry. You can tailor policies to your needs by choosing your own limit and deductible.

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Human

We provide you with expert answers no matter your question: Reach us 24/7 via phone, email or live chat. You even get a personal account manager to look after you and your insurance needs.

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Still wondering about Commercial Office Package Insurance?

Here are some real world examples of claims:

A women slipped on a raised portion of sidewalk at insured’s premises, fell down and broke one of her legs also incurring a spinal injury – This claim for bodily injury was $50,000.

A woman fell in parking lot when she tripped over a wheel stop. She broke her arm and caused damage to her rotator cuff resulting in a $60,000 claim.

Man tripped over a rug in an office, fell and broke his leg resulting in a $15,000 bodily injury pay out.

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