New Hampshire Business Owners Policy Insurance

Get a “BOP” in Concord NH

Helping business owners compare insurance quotes and save money with packaged coverage.

A business owners policy (BOP) takes some of the guesswork out of choosing insurance and can make it easier to safeguard your business.

Business owners face a variety of risks unique to their specific type of business. Choosing appropriate insurance coverage is key to ensuring that the business remains profitable, especially when those risks become reality.

A Business Owners Policy (BOP) bundles several types of coverage into one package, similar to a homeowners policy, but designed for small and midsized businesses. A BOP helps businesses cover all their risks and can also save money, as the bundled services typically cost less than purchasing individual coverages separately.

Get a cost-effective New Hampshire business insurance policy in Concord, Manchester, Loudon, Merrimack, Hooksett, Bedford, and throughout the Granite State. Protect your business with comprehensive coverage tailored to your needs.

Our business insurance agency in Concord NH is ready to help! Find the best business owner’s policy for your budget and coverage needs.

Business Owners Policy Insurance QUOTE REQUEST:

What does a business insurance policy cover?

The standard business owners policies we provide, cover…

Risks Covered by a New Hampshire Business Owners Insurance Policy:

Typically, a Business Owners Policy (BOP) covers a business’s equipment and merchandise while also providing the protection of a general liability policy. It includes coverage for equipment, furniture, and supplies in up to five separate locations, including rented and leased equipment.
Exclusions
Although a Business Owners Policy (BOP) is a convenient insurance option for small to midsized businesses, it does not cover professional liability, auto insurance, and workers’ compensation. Additionally, workers’ life, health, and disability coverage are excluded.

For those exclusions, business owners can purchase separate coverage to add to the BOP.

Good Candidates for a Business Owners Policy (BOP) in Concord, NH

A Business Owners Policy (BOP) may be a smart way to get insurance for your business in Concord, NH, if you have the following characteristics:

A physical location, whether home-based or outside the home
Assets that can be stolen, including products, cash, furniture, and digital property
A high risk for lawsuits
Less than 100 employees and $5 million in sales

If your business meets these criteria, a BOP can provide comprehensive coverage tailored to your specific needs.

Eligibility

Small to midsized businesses need to meet specific criteria to be eligible for a BOP. Insurers consider factors such as the type of business, size of its primary location, class of business, and revenue when determining eligibility.

Premiums for BOPs are based on these eligibility factors, as well as financial stability, building construction, security features, and fire hazards. When purchasing business insurance, it’s important to obtain the right amount of coverage to ensure comprehensive protection.