business ownerBUSINESS OWNERS
POLICY
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Business Owners Policy

Edwards Insurance Agency

You’ve worked hard to build your business. Now we’ll work hard to protect it. With a business owner policy, you and your business are protected against expensive claims of property damage or bodily injury.

Edwards Insurance team

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Why a Business Owners Policy is a Good Idea

Protect Your Success

In our lawsuit-heavy world, you need protection.

Got Customers?

Any business that serves clients in person can be sued.

Personalized service

Our friendly agents take the stress out of protecting your business.

restaurant

Who needs a BOP?

Small and medium-sized businesses should always be protected with a business owner policy. If you have customers in your shop, restaurant, or office, a BOP keeps you protected.

Businesses that should have a BOP include:

  • Restaurants
  • Retail shops
  • Automotive garages
  • Bars
  • Hair salons
  • Nail salons
  • Spas

A business owner policy provides:

  • Bodily Injury Coverage

    The famous “slip and fall” lawsuits you’ve heard of can be a business owner’s worst nightmare. Bodily injury coverage covers claims of personal injury at your place of business and keeps you out of the courtroom.

  • Property Damage

    Property damage coverage for your business covers all kinds of incidents in which a customer’s property could be damaged while in your place of business, such as spilling a glass of water on a customers’ phone or laptop or having debris in your parking lot damage a customer’s car.

  • Business equipment coverage

    Your business runs off its equipment. Business equipment coverage covers your computers, shelving, machinery, salon equipment, and other items within the confines of your commercial property. If these are damaged via fire, storm, theft, or vandalism, you’re covered.

  • Loss of Income

    If a storm or other disaster forces you to close your business for repairs, a business owner policy can help fill the gap in lost income.

  • Product related claims protection

    If someone gets food poisoning in your restaurant, an injury from a product you sell, or experiences damages as a result of your work, a business owner policy protects you from expensive lawsuits.

What does a business owner policy NOT cover?

As with all types of insurance, business owner insurance does not every situation. You can always add additional coverage to your business owner insurance to make sure you’re properly protected and your business is, too.

  • Workers Compensation

    A business owner policy does not cover workers who are injured on the job. For that, you’ll need to purchase workers compensation coverage.

  • Auto Insurance for your business

    Company vehicles will need to be covered under a commercial auto insurance policy.

  • Commercial Property

    A business owners policy covers what’s inside your building, but not the building itself. For that, you’ll need commercial property insurance.

What does a business owner policy protect?

As a business owner, you put your heart, soul, and money on the line every day in pursuit of success. A business owner policy helps you protect all you’ve worked for against the many unknowns that come with running a successful enterprise.

Protect your success with a business owner policy
Call us!

Your hard work deserves insurance that works just as hard for you. Call the insurance experts at Edwards Insurance Agency today.

What Our Clients are Saying…

Great team looking out for their clients. They are always available to give advice and point you in the right direction with your insurance needs! I know they have my family protected with the right home and auto coverage!

Great team looking out for their clients. They are always available to give advice and point you in the right direction with your insurance needs! I know they have my family protected with the right home and auto coverage! More content here more content here and more content here.

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