Small Business Insurance
every business needs insurance
Whether you are an established business owner working in an office or running a home-based business, you need insurance. BlueRock Insurance Services can help you identify insurance and financial solutions to protect your company and keep more of your money working toward your business goals. For small business owners and home-based business owners, there is a prepackaged group of coverage known as Business Owners Policy which may be more affordable for you as compared to purchasing individual insurance.
What is business owners policy (BOP)
Business Owners Policy (BOP) is a commercial package policy, providing certain types of small businesses with property and liability and business income insurance coverage. On top of this, you also have the option to include other insurance depending on your business operations, such as:
Small businesses can include wholesale, processing and service, restaurant, convenience store, and contracting risks. Do reach out to one of our brokers to get more information about the Business Owners Policy (BOP). Our brokers can work with you to determine the right blend of insurance products and provide business insurance quotes specifically for you.
Service That Goes Beyond Quality Coverage
At BlueRock Insurance Services, our brokers are dedicated to helping small business owners from New York and New Jersey with any questions you have to help you meet your needs:
Ensure small business owners and home-based business owners understand what is the coverage of the Business Owners Policy package
Provide any advice to customize the insurance policy to your business if needed
Help you to develop an insurance and benefits package that allows you to attract and retain good people
Did you know?
The property coverage of the Business Owners Policy (BOP) includes buildings and business personal property. However, there are certain properties that are not covered under BOP such as aircraft, outdoor signs not attached to buildings
Although outdoor signs not attached to buildings are not covered under the Business Owners Policy (BOP), it can be covered under an optional coverage or coverage extension
If you run your business from your home (home-based business), you need a Business Owners Policy (BOP) to cover any business related damages or losses at your home. Homeowners insurance will likely be missing the coverage you need to protect your business and its assets
Annual premium for medical offices starts from $500 and up
Annual premium for retail spaces such as clothing stores, beauty parlors, professional offices starts from $750 and up
*Subject to eligibility and verification
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What is a Business Owners Policy?
A commercial prepackaged policy, including property and liability coverage. Small business owners, whether working in a building or running a home-based business needs insurance and this package is a recommended choice.
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