Business Owners Policy – Comprehensive Protection for Your Small Business

Save time and money with a customizable business owners policy (BOP) that combines property, liability, and income coverage into one simple solution.

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Business Owners Policy

Why Your Business Needs a Business Owners Policy

Running a small business comes with big risks. A Business Owners Policy (BOP) simplifies coverage and offers protection from common liabilities and property losses.

Key Benefits:

Combines property and liability insurance into one policy.
Protects your business income in case of disruptions.
Saves you time and money with a streamlined solution.

Don’t leave your business unprotected—get peace of mind today.

What is a Business Owners Policy?

A Business Owners Policy (BOP) is an insurance package designed for small to mid-sized businesses, combining essential coverages into one convenient policy. A BOP can be customized with additional coverages, making it a flexible and cost-effective way to protect your business from common risks.

At Brabham Griffin Insurance, we specialize in tailoring BOP coverage to fit the unique needs of South Carolina businesses. Whether you need protection for your storefront, office, or commercial property, we’ll help you customize a policy that includes additional coverages like cyber liability, commercial auto, or professional liability.

Why It Matters: A BOP offers comprehensive protection without the hassle of managing multiple policies.

Liability Coverage

Protects your business from third-party claims involving bodily injury or property damage. It also covers legal fees and settlements resulting from customer lawsuits.

Commercial Property Coverage

Helps safeguard your business assets, including buildings, equipment, and inventory, against risks like fire, theft, and vandalism.

Business Income Coverage

Provides financial protection by replacing lost income if your business temporarily closes due to covered property damage. It helps cover essential expenses such as rent, payroll, and loan payments during recovery.

Example Scenario: A fire damages your restaurant kitchen, forcing you to close for repairs. Your BOP covers repairs, lost income, and payroll expenses.

Who Needs a Business Owners Policy?

A BOP is ideal for small and mid-sized businesses across industries, including:

Retail Stores: Protection for property, inventory, and customer claims.
Restaurants and Cafés: Coverage for kitchen equipment, customer injuries, and income losses.
Professional Offices: Safeguard computers, office furniture, and liability risks.
Contractors: Cover tools, property damage, and general liability claims.

If your business interacts with customers or owns property, a BOP is a smart choice.

How Much Does a Business Owners Policy Cost?

The cost of a BOP varies based on your business’s unique needs, including:

Industry and Risk Level: Higher-risk businesses may pay more.
Business Size and Property Value: The cost increases with more property and assets.
Coverage Limits: Higher coverage amounts increase premiums.

Average Cost: Small businesses typically pay $50 to $100 per month for a BOP.

How to Get Business Owners Policy

Getting covered through Brabham Griffin is simple—we make it easy to secure the protection your business needs quickly and confidently.

Request a Free Quote

Fill out our online form or give us a call.

Customize your Policy

Work with our experts to choose the right coverage.

Get Covered Fast

Start protecting your business immediately.

One quick step now can save you thousands later.

Why Choose BGI for Your Business Owners Policy?

We’re here to help you get the right coverage at the best price:

Customized Coverage: Tailored policies to protect your unique business.
Affordable Rates: Competitive premiums for small businesses.
Trusted Expertise: Advisors who understand small business risks.
Fast, Hassle-Free Quotes: Get coverage quickly and easily.

Partner with us for simple, reliable protection for your business.

Common Questions About Business Owners Policy

What is a Business Owners Policy (BOP)?

A BOP bundles liability, property, and business income coverage into one affordable policy.

Who should get a BOP?

Small to mid-sized businesses with property, customers, or risk of income loss.

What’s the difference between general liability and a BOP?

A BOP includes general liability and commercial property coverage, offering broader protection.

How much does a BOP cost?

Costs start as low as $50/month, depending on your business size, industry, and coverage needs.

How Can I Customize My Business Owners Policy (BOP)

You can tailor your Business Owners Policy (BOP) to match your specific risks by adding additional coverages. Professional liability insurance protects against claims of errors or negligence, while commercial auto insurance covers vehicles used for business purposes. Cyber liability insurance helps safeguard your business from data breaches and cyber threats, and equipment breakdown coverage ensures protection against costly repairs for essential equipment failures. Customizing your BOP allows you to build a policy that fits your business perfectly.

What are the benefits of choosing a Business Owners Policy?

A Business Owners Policy (BOP) simplifies insurance coverage by combining liability, property, and income protection into one package. It’s a cost-effective option, often saving businesses money compared to purchasing separate policies. A BOP is also customizable, allowing you to add coverages that fit your specific needs. Most importantly, it provides peace of mind, ensuring your business is protected from unexpected risks.

Take the Next Step: Protect Your Business Today

Don’t wait for an accident to happen. Protect your business with affordable, reliable commercial general liability insurance.

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