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Business Owners Policy (BOP)

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Simplified Coverage for Small and Growing Businesses

A Business Owners Policy, commonly known as a BOP, bundles essential coverages into one streamlined insurance solution for small and mid-sized businesses. It combines key protections like property insurance and general liability into a single, cost-effective policy. For business owners in Brunswick County, a BOP offers a practical way to protect buildings, equipment, and day-to-day operations without managing multiple standalone policies. We help businesses secure BOP coverage that fits their size, industry, and risk profile.

CORE BUSINESS PROTECTION

What a Business Owners Policy Can Cover

  • Commercial Property Insurance

    Helps protect your building, office space, equipment, inventory, and furnishings from covered losses such as fire, theft, and storm damage.

  • General Liability Insurance

    Provides coverage for third-party bodily injury, property damage, and common liability claims arising from daily business operations.

  • Business Interruption Coverage

    Helps replace lost income and cover ongoing expenses if your business is temporarily unable to operate due to a covered loss.

  • Equipment Breakdown Coverage

    Protects against mechanical or electrical failures that can disrupt operations and lead to costly repairs.

  • Optional Endorsements

    Allows you to add coverages such as cyber liability, hired and non-owned auto, or professional liability depending on your business needs.

DESIGNED FOR SMALL BUSINESS

Businesses That Benefit From a BOP

Our goal is to ensure each business has the right balance of coverage without paying for unnecessary extras. We work with a wide range of local businesses that benefit from bundled, efficient coverage, including:


  • Retail shops and storefront businesses
  • Professional offices and service providers
  • Restaurants and food-service establishments
  • Contractors and small trades businesses
  • Medical, dental, and wellness practices
  • Startups and growing small businesses
SMARTER SIMPLICITY

Tailored Policies Without the Guesswork

We begin by understanding how your business operates, what property you own, and where your risks lie. As an independent agency, we compare Business Owners Policies from multiple carriers to find competitive pricing and appropriate coverage limits. We also help identify gaps that may require additional protection beyond a standard BOP. The result is a policy that supports your business today and adapts as you grow.

Get a Business Owners Policy That Works for You.