A Business Owners Policy (BOP) is a bundled insurance policy that typically combines general liability, commercial property, and business interruption coverage into one cost-effective package for small to mid-sized businesses. It helps protect against common risks like lawsuits, property damage, and income loss from covered disruptions.
A BOP is ideal for small to medium-sized businesses such as contractors, offices, retail stores, service companies, and professional firms that want broad protection without purchasing multiple standalone policies.
General liability insurance covers third-party claims involving bodily injury, property damage, advertising injury, and legal defense costs. While not always legally required, it is often required by leases, contracts, or customers and is considered essential for most businesses.
General liability insurance is not required by law in Pennsylvania for all businesses, but many landlords, clients, and vendors require proof of coverage before doing business with you.
Property insurance coverage protects business-owned buildings, equipment, tools, inventory, and furniture from covered losses such as fire, theft, vandalism, or certain weather events.
Commercial truck insurance is designed for auto haulers, agricultural operations, construction fleets, fuel and hazmat carriers, last-mile and mid-mile delivery companies, long-haul and short-haul trucking operations, towing companies, and new trucking businesses.
Workers’ compensation insurance covers medical expenses, lost wages, and rehabilitation costs for employees who are injured or become ill due to work-related activities. It also protects employers from most employee injury lawsuits.
Yes. Workers’ compensation insurance is required by law in nearly every state, including Pennsylvania, for businesses with employees, with very limited exceptions.
Small businesses are frequent targets of cyberattacks and often lack the resources to recover from a breach. Cyber insurance can mean the difference between continuing operations and shutting down permanently after a major incident.
Business interruption coverage replaces lost income and helps cover operating expenses when a covered event—such as fire or storm damage—forces your business to temporarily shut down or reduce operations.