Business Owner’s Policy

With one policy that combines property, liability and business interruption protection, we make insuring your premises more affordable.

Why does your business need it?

When you’re fully insured against unexpected incidents, you can recover faster and continue to focus on growth even if something unfortunate occurs.

Helps repair buildings, inventory and equipment after covered events like fire, wind or lightning.

Covers legal costs and damages if someone is hurt on your premises or because of your business.

Assists in fixing or replacing critical machinery if something fails and interrupts operations.

Reimburses loss of property or inventory after break-ins or intentional damage.

Replaces lost income and takes care of expenses while repairs are underway after a covered loss.

Repair or replace buildings, inventory and other assets, and cover loss of income and ongoing expenses.

Protection from financial loss resulting from claims due to physical or other injury caused by you or your employees.

Help replace lost revenue in the event that your business has to shut down due to fire, wind damage or other covered losses.

Businesses unprepared

of small businesses are not confident they are adequately insured. (Forbes Advisor, 2024)

Underinsured businesses

of small businesses are underinsured. (Hiscox, 2025)

Revenue risk

of owners say business interruption is a major concern. (Investopedia, 2024)

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