New Hampshire Business Insurance Policy

Affordable business owners policy in Concord NH

Helping business owners compare quotes and save money. 

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 lucrative, especially when any of those risks become reality.

A BOP bundles several types of coverage in one package, similar to the way a homeowners policy works, but is designed for small and midsized businesses. Not only does it help businesses cover all their risks, but it can also save money, since the bundle of services typically costs less than the cost of all the individual coverages combined.

Get a cost-effective New Hampshire business insurance policy in Concord, Manchester, Loudon, Merrimack, Hooksett, Bedford and throughout the Granite State.

 

Our commercial insurance agents in Concord are ready to help! Find the best business owner’s policy for your budget and coverage needs.
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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 BOP covers a business’s equipment and merchandise while also covering everything that a general liability policy covers. It also covers equipment, furniture and supplies in up to five separate locations, including rented and leased equipment.
Exclusions
Although a BOP is a convenient insurance option for small to midsized businesses, it does not cover professional liability, auto insurance and workers’ compensation. Workers’ life, health and disability coverage is also excluded.

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

Good Candidates for a BOP

A 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

Eligibility

Small to midsized businesses need to meet specific criteria to be eligible for a BOP. When determining eligibility, insurers consider factors that include the type of business, size of its primary location, class of business and revenue.
Premiums for BOPs are based on 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.

Contact Davis & Towle Insurance Group for guidance as to whether a BOP is a logical choice for your business, or request a free insurance quote today!

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