Business Owner's Policy (BOP)
A Business Owner's Policy can combine commonly needed coverages, such as commercial property and general liability, into one policy for eligible businesses. Coverage and eligibility vary by carrier.
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Business Insurance
Protection Built Around Your Business
Every business faces different risks. Business insurance can help protect your company against certain covered property losses, liability claims, employee-related risks, vehicle exposures and other unexpected events that could affect your operations and financial stability.
Business Insurance Options
General Liability
Helps protect a business against certain covered claims involving third-party bodily injury, property damage and personal or advertising injury.
Commercial Property
May help protect covered business property, including buildings, equipment, inventory, furniture and other eligible assets against covered causes of loss.
Commercial Auto
Provides coverage options for eligible vehicles used for business purposes and may include liability, physical damage and other applicable commercial auto coverages.
Workers' Compensation
Provides benefits for eligible employees who experience covered work-related injuries or illnesses, subject to applicable state laws and policy requirements.
Professional Liability / Errors & Omissions (E&O)
May help protect certain professionals and businesses against covered claims alleging errors, omissions, negligence or failure to provide professional services as expected.
Cyber Liability
May provide coverage for certain eligible cyber-related incidents such as data breaches, network security events, privacy exposures and associated response costs, subject to policy terms.
Employment Practices Liability (EPLI)
May help protect businesses against certain covered employment-related claims, which can include allegations involving discrimination, harassment, wrongful termination and other covered employment practices.
Commercial Umbrella / Excess Liability
May provide additional liability limits above certain underlying business insurance policies, subject to policy requirements and coverage terms.
Who Is Business Insurance For?
- Small businesses
- Growing companies
- Contractors
- Retail businesses
- Professional service firms
- Businesses with employees
- Companies that own or lease commercial property
- Businesses using vehicles for business purposes
- Companies handling customer or sensitive data
- Businesses with contractual insurance requirements
What Can Affect Business Insurance Options?
- Type of business and industry
- Business location
- Annual revenue
- Number of employees
- Payroll
- Property and equipment values
- Business operations
- Vehicles and drivers
- Claims history
- Coverage limits and deductibles
- Contractual requirements
- Carrier underwriting requirements
Important Business Insurance Information
- Business insurance needs vary significantly depending on the company's operations, industry, location, employees, property, contracts and exposures.
- Some businesses may require multiple policies or specialized coverage.
- Workers' Compensation and certain other insurance requirements vary by state and business circumstances.
- A BVIF insurance professional can help review the business's exposures and available carrier options.
Protect What You've Built
Let Best Value Insurance & Financial Services help you explore business insurance options based on your operations, risks and available insurance carriers.
Coverage availability, eligibility, benefits, limits, exclusions, premiums and requirements vary by insurer, policy, plan and state. Specific coverage details, terms, conditions and applicable plan or policy information will be provided with your quotation or during the application process for your review before coverage is finalized.
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