What Is a Business Owner's Policy (BOP Insurance)?
如果您拥有小型企业,企业所有者的政策或BOP,请保护您免受责任索赔和诉讼;保护您的建筑物,设备和库存;如果您的业务意外关闭从覆盖的损失,则在经济上覆盖您的财务状况。
BOP封面是什么?
A business owner’s policy (BOP) combines two types of coverages to protect your small business against a variety of claims. Its coverage components include:
- Commercial general liability insurance
- 商业财产保险, often includingbusiness income and extra expense (BIEE)
The一般责任portion of a BOP safeguards your business in the event someone makes a claim against you or your business. General liability insurance provides protection from liability lawsuits resulting from things like a customer slipping on a wet floor, a defective product causing damage to a client’s property, or claims that the products or services you provided caused injury. It can also protect you from libel, slander and certain legal claims related to advertising.
The物业部分of a BOP helps protect business property you own, lease or rent, including your buildings, equipment, furniture and inventory. It helps cover repair or replacement costs of stolen, damaged or destroyed property, including property that isn’t yours but was in your care. It can also cover loss of incomeand covered expenses like rent, payroll and other financial responsibilities while your property is being repaired or replaced after a fire or other covered loss.
A Travelers BOP builds in many specialized coverages that can be tailored to the unique risks facing your business. Plus, it offers a wide variety of optional coverages that can offer additional protection. For example:
- 雇用和非拥有的汽车- 在短期内租用,租赁或借用车辆时,涵盖您的业务,或者您的员工为公司业务使用他们的个人车辆。
- 网络Liability, Including Data Breach— protects your business against the costs of data breaches and other cyber security issues.
- 犯罪 - 防止金钱和证券盗窃的成本。
- Contractor’s Equipment — helps pay for repair or replacement of tools and equipment if they are lost, stolen, or damaged.
How Can a BOP Help Small
Businesses?
如果您是一个小企业所有者,旅行者的企业所有者的政策会提供有价值的保护,如果您遇到以下情况,如以下情况:
- 在访问您的业务时,顾客在宽松的电线上浏览,落下和骨折他们的手腕。他们起诉你以弥补他们的医疗费用。
- 您的一个承包商失去了一块设备的控制,该设备损坏了客户家的墙壁或在执行工作时不小心打破价值项目。
- A pipe bursts and floods one of your workrooms, damaging business-critical equipment and some of your products.
- A fire destroys one of your buildings, leading you to temporarily shut down part of your business. Yet, despite being shut down, you still have to pay rent and your employees.
谁是企业所有者的政策权?
旅行者BOP是为了保护许多类型的小企业,包括:
- Commercial Real Estate
- Contractors
- 金融服务
- 车库
- Healthcare
- 制造商
- 个人护理服务
- 宠物护理服务
- Printers and Publishers
- 宗教和文化组织
- Restaurant and Food Service
- Retail
- Service Businesses
- Technology Services
- Wholesalers and Distributors
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