Business Owners Policy (BOP)

• Property damage to your building and business equipment

• Business personal property: inventory, furniture, tools

• Business interruption: lost income and extra expenses if you must close temporarily

• General liability: third‑party bodily injury and property damage

• Medical payments for minor customer injuries on your premises

Professional Liability (Errors & Omissions)

• Claims for negligence, mistakes, or failing to deliver services

• Legal defense costs even for groundless suits

• Settlements or judgments for covered claims

• Coverage tailored for consultants, advisors, and licensed professionals

Optional add‑ons

• Cyber liability: data breaches and notification costs

• Employment practices liability: wrongful termination, discrimination, harassment

• Product liability: claims from products you make or sell

• Inland marine: tools, equipment, or property in transit

• Builders risk: property coverage during construction or renovation

In short: BOP covers your place and daily operations; Professional Liability covers your advice and services. Contact us to find the right mix for your business.