Business Owners Policy (BOP) in Oakdale CA & Modesto CA

A business owners policy (BOP) is a type of commercial insurance meant for certain small and mid-sized businesses. It typically bundles three core coverages:

• General liability insurance can help with claims involving third-party bodily injury, property damage or personal injury that may occur on your premises or as a result of your operations.

• Commercial property insurance may cover your building, equipment, inventory and other physical assets against losses from fire, theft, vandalism and certain natural disasters.

• Business interruption insurance can help with lost income and ongoing expenses if your business operations are disrupted due to a covered event.

Who Can Benefit From This Policy?

A BOP is ideal for many types of businesses, including retailers, offices, restaurants and service providers. If you own or lease a workspace, have valuable equipment or inventory or interact with customers on your premises, this policy may be worth considering.

However, not every small business will qualify for a BOP, such as those with uncommon risks or those that need specialized coverage. Your broker can help determine whether a BOP may suit your circumstances.

Why Choose a BOP for Your California Business?

• Streamlined coverage: A BOP combines key coverages into a single package, helping you reduce gaps and manage risks more effectively.

• Cost-effective: Bundling policies often cost less than buying each policy on its own.

• Customizable: You can add coverage like data breach protection or professional liability to match your business’s specific needs.

How Stewart Kriese Ins Agency, Inc.  Supports Local Business Owners

Our team takes time to understand your risks, walk you through your options and suggest coverage that fits your goals and budget. Contact us today to get a free quote.