A Business Owner’s Policy (BOP) combines business property and business liability insurance into one convenient policy. BOP Insurance helps cover your business from claims resulting from things like fire, theft or another covered disaster and from claims involving bodily injury, property damage and personal and advertising injury that could arise from your business’ operations.
Businesses can tailor a Business Owner’s Policy (BOP) to help meet their unique needs by adding optional coverages like data breach, business income for off-premises utility services and other specialized coverages to their BOP.
You should consider a business owner’s insurance policy if:
Purchasing a BOP is smart and convenient. It simplifies coverage needs by including business property and business liability, two important coverages that most businesses need, in one policy. Compared to purchasing separate policies for business property and business liability, The Hartford's Business Owner's Policy (BOP) offers businesses a way to save money while getting broad coverage for things like fire, theft, lawsuits and loss of income. It’s an even smarter and more convenient choice because other important coverages can be added to it. Businesses with specific needs can tailor their business owner’s policy (BOP) by adding additional coverages like business income for off-premises utility services, data breach and more, to suit the particular needs of their company.
Workers’ compensation insurance (also known as workmans’ comp insurance) provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. Workers’ compensation insurance covers a deceased worker's family with a financial benefit as well. If a worker's family decides to sue the company, it can also help cover the related legal fees.
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