Business Owners Policy Insurance  

BOPs for Businesses in Contra Costa County, Central Valley and Central Coast 

Small businesses make up a large portion of each industry, offering unique services and products to their areas. As such, these small businesses may require unique insurance that can only be covered under a business owners policy. 

Esperanza Gutierrez Insurance Agency offers business owners policies for small businesses in various industries throughout California. Our insurance professionals will help evaluate your risks and insure your business with the coverage it needs. 

What is Covered Under a Business Owners Policy? 

A basic business owners policy covers two main areas: 

General Liability 

General liability insurance covers claims against your business concerning bodily injury, property damage and personal or advertising injury. If someone is injured on your business’ property, for example, general liability insurance can cover the victim’s medical bills as well as protect your business against a related lawsuit. 

Commercial Property Insurance  

Commercial property insurance covers damages to the physical property of your business, such as offices, restaurants, stores and their contents. This covers against damages caused by fire, wind, hail, lightning, smoke, theft, vandalism and other disasters. 

Additional Coverages Available 

Business owners policies are flexible, allowing business owners to add different coverages to their policy according to their insurance needs. Coverages you may consider adding to your business owner policy includes: 

• Professional Liability: Professional liability insurance covers claims against the business concerning professional negligence. If your business or employees offer professional services, this insurance can offer protection in case of an accident that causes a client to lose money.

• Umbrella Liability: Umbrella liability insurance fills in the gaps left by your other liability insurance policies. If your general liability insurance reaches its limit for a single claim, for example, umbrella liability insurance can cover the remaining expenses.

• Commercial Auto Insurance: Commercial auto insurance covers vehicles owned or used by the business for work purposes.

• Workers Compensation: Workers compensation covers employees in case they are injured on the job.

Protect Your Business Today 

Protect your small business with a business owners policy through Esperanza Gutierrez Insurance Agency. Give us a call at (925) 392-0506 or fill out an online quote form to get started. 

Common Business Owners Policy Questions? 

Who Qualifies for a Business Owners Policy? 

Business owners policies are generally reserved for small businesses in low risk industries. Be sure to ask an insurance agent about how your business qualifies for a business owners policy. 

What is the Difference Between a General Liability and Business Owners Policy? 

General liability is a single policy that can be added to a business owners policy. A business owners policy, on the other hand, is the combination of coverages tailored for your business. 

Why is a Business Owners Policy Often Referred to as a Package Policy? 

Business owners policies are referred to a package policy because they combine coverages into a single policy, or package. This is different than a commercial package policy, however, which is mostly geared toward large businesses in high risk industries.