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A Business Owner’s Policy (BOP) combines some of the most critical business insurance coverages your company needs into one convenient and cost-effective policy.
Property
General Liability
At State Bank & Insurance we know your business has its own and unique needs.
A bop policy is a great way to not only have great customizable coverage but allows business owners to save significant on their premiums.
Helps cover damage to your building, computers, furniture, and other business property caused by a fire.
May help cover spoiled perishable inventory if refrigeration equipment fails to maintain the proper temperature.
Helps cover the cost of restoring or replacing important documents damaged by a covered event, such as a fire or flood.
May help pay medical expenses if a customer, delivery person, or other visitor is injured on your property.
Helps cover legal expenses if your business is sued over a covered claim, even when the allegations are unfounded.
May help pay for accidental damage to office, retail, or commercial space your business leases.
Helps cover court-awarded settlements or judgments when your business is found liable, up to the limits of your policy.
Workers' compensation insurance provides critical benefits to employees who suffer work-related injuries or illnesses.
General liability insurance (GLI) helps protect your small business from third-party claims that it caused bodily injuries or property damage to others. Without general liability coverage, you’d have to pay for these claims out of pocket.
Protects your business by covering vehicles owned and used in your business
cyber-crime is one of the fastest growing types of crimes in the world
Contractors, trucking companies, Offices, manufacturers, retail stores, wholesalers and distributors, services businesses, restaurants, auto repair shops, landlord and rental properties.
Purchasing a BOP Policy is smart and convenient. It simplifies coverage needs by including business property insurance and business liability insurance.
The cost of a business owner’s policy (BOP) depends on several factors, including your location, the number of employees, and the level of risk your business faces. To find out how much a business owners insurance policy would cost for your business contact us!
General liability insurance can be purchased as a standalone policy, but most business owners opt for a Business Owner’s Policy (BOP) for more coverage. A BOP combines general liability insurance with commercial property and business income coverage into one convenient policy. With just a general liability insurance policy, you’d only be covered against claims that your business caused property damage, advertising injury or bodily injury to someone. With a BOP, your business would be protected against more risks like fire, theft, wind and lightning and any lost income resulting from a covered loss.
If you’re looking for reliable business insurance in Iowa or a local insurance agency that understands the unique risks your business faces, State Bank & Insurance is here to help.
Contact us today to request a customized business insurance quote and speak with a local agent about protecting your employees, property, and operations.
