Most small business owners will agree on one thing: being in control of your own destiny is incredibly rewarding.
You get to call the shots. You decide when and where you want to work. You get to choose the people you work with. And you have the opportunity to make more money than if you were employed by someone else.
But entrepreneurship also comes with a lot of responsibility.
No matter your industry, owning a small business comes with inherent risks: a customer slips and falls on your coffee shop’s freshly mopped floors, your refrigerator breaks down and you lose your entire inventory due to spoilage, or a long-term employee steals substantial amount of money by writing unauthorized checks. For these reasons and others, it’s especially important to protect your assets.
As a small business owner in Orange County, a commercial insurance policy can protect you from financial catastrophe if something unexpectedly goes awry.
A Business Owners Policy (BOP) is designed for small to medium-sized businesses and combines protection for various property and liability risks into a single bundle. On average, it’s cheaper to purchase than a la carte business insurance coverages.
Each standard BOP, which can be customized to fit your business’ unique needs, combines the following six coverages into one policy:
Upgrade your protection with these optional add-ons:
*Need multiple add-on coverages? Ask us how you can save money with a premium package plan.
Many small business owners mistakenly believe that their personal auto policy will cover them in the event of an accident. However, there are many business uses and vehicle types that are excluded from personal policies.
Ask yourself the following questions:
If you answered “yes” to any of these questions, there’s a good chance you need to upgrade your personal auto policy to a commercial one.
Not in the market for a BOP or commercial auto policy? We offer a wide range of business insurance coverages to suit your needs.
When you bundle your business owners policy with your personal policies, you’ll automatically receive a multi-policy discount.