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BUSINESS OWNER POLICIES
Business Owners Policy, aka BOP, is a policy that combines property, liability and business interruption coverage for small- to medium-sized businesses. Business owner's policies are often the preferred method of coverage since they provide California business owner’s with comprehensive coverage that they would often not be able to afford if they purchased insurance policies individually. The minimum premium for many business classes starts at $500.
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Why would I, a California business owner, purchase a Business Owners Policy?
Business Owners Policies are a cost effective means of applying for many business insurance coverages under one policy. Many businesses are required to carry liability coverage to occupy office/industrial space. BOPs are a great way to obtain your general liability coverage and add additional coverages like business income, theft coverage, employer's liability and more depending on the carrier.
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Examples of how a Business Owner’s Policy can protect your business.
1. Do you have customers come to your California business office, whether you're in an office building or a retail location?
If so, a Business Owner's Policy provides you with "slip and fall" coverage. If someone were to become injured while at your business location, your insurance will cover any injuries or harm sustained by them. It will also protect you in the event you are sued for such an accident.
2. Do you operate a California retail location?
A Business Owner's Policy will cover you in the event that your merchandise is shoplifted.
3. Do you utilize computers and other electronic devices and media in your California business location?
A Business Owner's Policy provides you coverage if your computer equipment is damaged; you have damaged software or data loss due to power failures, computer viruses or other catastrophes.
4. Do you use cash register or store money or securities in your California business location?
A Business Owner's Policy will protect your money and securities that are used in your business should they be stolen, lost or destroyed.
5. If your California business is burglarized, a Business Owner's Policy will pay for lock and key replacement following the burglary or theft.
6. If you have employees or contractors working at your California business location, a Business Owner's Policy can protect you against loss or damage to those individual's property.
Carriers that offer Business Owners cover to California Businesses:
Virtually all of the property and casualty carriers that write business in the state of California write business owner policies for various types of business. A few are listed below, but if you have any questions send us am email and we will help determine if your business is eligible for a business owner policy.
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A Few Insurance Companies writing Business owner policies in California:
ACE Property & Casualty Insurance Company
American Guarantee & Liability Insurance Company
American Zurich Insurance Company
Arch Insurance Company
Assurance Company of America
California Insurance Company
Chubb Insurance Group
CompWest Insurance Company
Continental Insurance Company
Cypress Insurance Company
Delos Insurance Company
Discover Property & Casualty Insurance Company
Employers Compensation Insurance Company
Employers Direct Insurance Company
Employers Insurance Company
Endurance Workers Compensation Insurance Company
Everest National Insurance Company
Explorer Insurance Company
Great American Insurance Company
Insurance Company of the West
Liberty Mutual Insurance Company
Lincoln General Insurance Company
Majestic Insurance Company
Manufacturers Alliance Insurance Company
Maryland Casualty Company
Missouri Employers Mutual
North River Insurance Company
Northern Insurance Company of New York
Nova Casualty Company
Oak River Insurance Company
Old Republic General Insurance Corporation
Pacific Employers Insurance Company
Penn National Insurance
Pennsylvania Manufacturers Indemnity Company
PMA Insurance Company
Preferred Employers Insurance Company
Redland Insurance Company
Seabright Insurance Company
SPARTA Insurance Company
State Accident Insurance Fund (Oregon)
State Compensation Insurance Fund
State Compensation Insurance Fund (California)
State Farm Fire & Casualty Company
The Hartford Financial Group
TIG Insurance Company
Tower Select Insurance Company
Transcontinental Insurance Company
Transportation Insurance Company
United States Fidelity & Guaranty Company
United States Fire Insurance Company
Valley Forge Insurance Company
Virginia Surety Company
Wausau Business Insurance Company
Wausau Underwriters Insurance Company
WCIRB Base Rates
Zenith Insurance Company
Zurich American Insurance Company
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We help our clients reduce expenses while maintaining or improving their over all insurance coverage.
- Average Reduction in Premium 10-20%
- We work for you
- Reduce time managing insurance programs
- Identify Coverage gaps
- Risk analysis
Why work with Timothy R. Pine Insurance Services:
- Generations of Insurance Experience
- Choice -Admitted A Rated Carriers
- Dedicated account manager
- 4 Hour turn around on certificates
- Loss prevention program
- Workers Comp Claims Management
- Personalized Risk Assessment
- 98% Client Retention rate