Business Insurance For Small Businesses

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SPEAKER 1: What is a BOP? 

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As a small business owner, you're probably a champion at multitasking. 

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Taking care of customers. Making payroll. Growing your business. 

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Office buildings grow from small to large. 

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It's all on you, and you've got it covered. Think   of a BOP as an insurance policy that works as hard as you do. 

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A BOP or a Business Owners Policy brings together most of the insurance coverage a small business owner typically needs in one package. 

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Making it much simpler to protect your business. 

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Here's what a BOP typically includes. 

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First, the nuts and bolts of your business, your property. If your inventory gets damaged in a fire or a thief targets the laptops in your office, Property Coverage can help you recover. A BOP   provides business income protection in case your property is damaged or destroyed by a fire, water damage, or other covered loss and your revenue stream is impacted. 

This can even apply to damage at your suppliers or the warehouses you depend on. And Extra Expense helps get your business up and running as quickly as possible after a covered loss. 

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What else? Liability. There are key legal risks to consider. General Liability insurance can include Premises Liability for accidental injuries like slips, trips, and falls at your property. 

A BOP helps protect you by paying for costs or damages if you're held responsible. It also covers legal defense costs if you're sued, and as your business is unique, so is your BOP. You can get additional coverage based on what your business needs. 

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Running a small business continues to evolve with a more efficient, cost-effective BOP. It's less likely you'll miss out on an important coverage. After all, you've got a business to run. 

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To get started with the Business Owners Policy and other business insurance solutions, contact a Traveler's independent agent or visit travelers.com. 

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