Business Owners Insurance
In New Hampshire
Simplify your coverage with a policy designed to protect your business—every step of the way.
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Business Owners Insurance
Running a small business involves a significant investment in time and money. Business owners insurance, also called a BOP, protects your investment by minimizing financial risks associated with unexpected events such as the death of a partner, an injured employee, a lawsuit, or a natural disaster.
Unless you are an employer, business insurance is generally not required by law, however, it is common practice to purchase enough insurance to cover your assets. If your business is an LLC or a corporation, your personal assets are protected from business liabilities; however, neither business structure is a substitute for liability insurance, which covers your business from losses.
Typically, a business owners insurance policy combines property, liability and business interruption coverage all into one easy policy for small to medium-sized businesses. By packaging these coverages together, it generally results in a discount in your premium.
Business owners’ insurance offers complete coverage for your small to medium sized business and is best suited for companies with less than 100 employees and/or less than $5 million in revenue. BOP insurance combines several types of insurance together into one cost-savings package. With completely customizable coverage options, we can fit the package to your specific needs.
In addition to a business owners policy, property insurance, liability insurance, and additional types of insurance are available through our agency.
- Property claims
- Equipment breakdown
- Income loss
- Professional liability claims
- Products and completed operations claims
- Fire legal liability claims
- Premises liability claims
Supplemental coverages are also available. Call us today to discuss specifics of your business.
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Reach out today for a quote or guidance on your insurance options.
Get Your BOP Insurance Quote Today
Our licensed staff is ready to help you get multiple quotes for your business owners insurance. Because we’re an independent insurance agent we can shop from multiple insurance companies to help you find the right coverage at the right price.
Frequently Asked Questions
What types of businesses should consider a Business Owners Policy?
Many types of small and mid-sized businesses may benefit from a Business Owners Policy, including retail stores, offices, and service-based businesses. This type of policy is often designed to provide a foundational level of protection that can be adjusted depending on the business.
What does a Business Owners Policy typically include?
A Business Owners Policy is generally structured to address several common risks businesses face during normal operations. The specific coverage options and limits can vary depending on the business, the industry, and the insurance company.
Why work with an independent insurance agent for Business Owners Insurance
Business insurance needs can vary depending on the size of the company, its industry, and daily operations. An independent insurance agent can compare policies from multiple insurance companies and help business owners find a Business Owners Insurance policy that fits their needs.