A business owners policy, also known as BOP insurance, combines property insurance, liability insurance, crime coverage and additional protection into one convenient package.

What a BOP covers

Business insurance is a necessity for even the smallest company in order to protect and maintain its financial health. At Preferred Link, we understand how important that is.

Business owners insurance offers coverage for small to medium sized businesses that gross less than $3 million in annual sales.

Common BOP coverage includes:

  • Property insurance, which protects your building, business contents and/or equipment, and inventory
  • Business income insurance, which covers lost income if your operations are suspended because of a covered loss
  • Equipment breakdown insurance, which protects you if your equipment is damaged from power surges, mechanical breakdown, burnout or operator error
  • Personal and advertising injury coverage, which covers copyright infringement, libel and slander
  • Bodily injury and property damage liability, which covers those instances when your employees, products or services cause harm to other people or their property
  • Medical payments coverage, which covers medical expenses resulting from injury to others on property you own or rent
  • Hired & Non-Owned (ENOL): Rented vehicle coverage, which provides liability coverage for autos that you lease, hire or borrow

BOP Insurance Coverage

Our agents plan to work with their clients for the long term.

We understand that your small business owners insurance needs will change over time, so we have regular insurance checkups, known as the Professional Insurance Review.

This review is to ensure that your business has the best protection possible from year to year.

As a Preferred Link customer, you’re entitled to prompt service and help with claims resolution, superior customer support, free loss control information and the financial stability that comes with representing “A” rated carriers (Demotech / A.M. Best).

Find out how to get BOP insurance tailored specifically for your business.