skip to main content
Travelers Logo
  • About
  • 18luck新利备用网登录
  • Agents
  • 投资者
  • 澳门新利娱乐网址
  • 联系我们
  • 新利18足球竞猜安全吗
    • Overview
    • 产品
      • 车
      • Home
      • Renters
      • Condo
      • Landlord
      • Boat & Yacht
      • Motorcycle
      • Travel
      • 18.luck新利
      • Weddings
      • Umbrella
      • 所有产品
    • Prepare & Prevent
      • 保险101.
      • 家庭中央
      • 旅行者车库
      • Managing Through COVID-19
    • 亲和团队折扣
    • 在线服务
    • 183新利
      • Get a Quote
      • Find an Agent
      • 报告申诉
      • Pay Your Bill
  • For Business
    • Overview
    • 产品与解决方案
      • Overview
      • Boiler & Machinery
      • 18IUCK新利官网
      • 网络
      • Environmental Liability
      • Excess Casualty & Umbrella
      • General Liability
      • Global Insurance
      • 内陆海洋
      • Management & Professional Liability
      • Ocean Marine
      • 财产
      • Business Owner's Policy
      • 担保债券
      • Workers Compensation
        • Find an Agent
        • 报告申诉
        • Pay Your Bill
    • 行业
      • Overview
      • Agribusiness
      • Architects, Engineers & Surveyors
      • 汽车和卡车经销商
      • Business & Professional Services
      • 建造
      • 教育
      • 活力& Renewable
      • Equipment Dealers
      • 金融机构
      • 食品服务
      • 健康与相关服务
      • 热情好客和娱乐
      • 制造业
      • Marine Industries
      • 博物馆& Fine Art
      • 非营利
      • 石油和天然气
      • Public Entities
      • Real Estate
      • Retail
      • Technology
      • Transportation
      • 批发和分销
        • Find an Agent
        • 报告申诉
        • Pay Your Bill
    • Services
      • Overview
      • Risk Control
      • 宣称
      • 优惠审计
      • 在线客户工具
      • 风险管理信息服务
      • Travelers Client Advantage
        • Find an Agent
        • 报告申诉
        • Pay Your Bill
    • Small Business
      • Overview
      • Automobile Insurance
      • Business Owner's Policy
      • Data Breach
      • Employment Practices Liability
      • 专业保险
      • 伞保险
      • 工人赔偿不受保险
        • Find an Agent
        • 报告申诉
        • Pay Your Bill
    • Large Business
      • Overview
      • 伤员
      • 网络
      • Management & Professional Liability
      • 财产
        • Find an Agent
        • 报告申诉
        • Pay Your Bill
    • Multinational Business
    • Prepare & Prevent
      • By Topic
      • 由产业
      • 通过Covid-19导航您的业务
        • Find an Agent
        • 报告申诉
        • Pay Your Bill
      • Find an Agent
      • 报告申诉
      • Pay Your Bill
  • 宣称Center
    • 宣称Center
    • Should I File a Claim?
    • 报告申诉
    • Roadside Assistance
    • 查找服务提供商
    • Check Your Claim Status
    • 管理您的主张经验
      • 索赔报告后续步骤
      • 宣称Guide Library
      • Workers Compensation Resources
    • 宣称Capabilities
      • Get a Quote
      • Find an Agent
      • 报告申诉
      • Pay Your Bill
  • Prepare & Prevent
    • 新利18足球竞猜安全吗
    • 家庭中央
      • Buying & Selling
      • 家庭维护
      • 家庭装修
      • Home Safety
      • 移动
      • Smart Home
    • 旅行者车库
      • Buying & Selling
      • 车Maintenance
      • Distracted Driving
      • 安全驾驶
      • Teen Driving
      • Boating
    • 保险101.
    • 天气
    • For Business
    • 行业
      • 建造
      • 制造业
      • Nonprofit
      • Small Business
      • Technology
    • Topics
      • Business Continuity
      • 网络
      • 司机和舰队安全
      • 设备管理
      • Internet of Things
      • 产品和服务责任
      • Supply Chain Management
      • 工作场所安全
    • Travelers Risk Index
      • Get a Quote
      • Find an Agent
      • 报告申诉
      • Pay Your Bill
  • About Travelers
    • Overview
      • Awards & Recognition
      • 18luck新利备用网登录
      • Community
      • 多样性和包容性
      • 澳门新利娱乐网址
      • 历史
      • 投资者
      • Media Resources
      • News
      • Travelers Championship
      • 旅行者研究所
      • Get a Quote
      • Find an Agent
      • 报告申诉
      • Pay Your Bill
    • Get a Quote
    • Find an Agent
    • 报告申诉
    • Pay Your Bill
主要导航
  • 新利18足球竞猜安全吗
      • Insurance for Individuals
      • 产品
        • 车
        • Home
        • Renters
        • Condo
        • Landlord
        • Boat & Yacht
        • Motorcycle
        • Travel
        • 18.luck新利
        • Weddings & Events
        • Umbrella
        • More
      • Prepare & Prevent
        • 保险101.
        • 家庭中央
        • 旅行者车库
      • 亲和团队折扣
      • 在线服务
      • 183新利
    • 立即获取房屋报价

      It's easy to get a free quote for home insurance from Travelers in just a few minutes.

      立即获取房屋报价
  • For Business
      • 产品与解决方案
        • 18IUCK新利官网
        • 网络
        • General Liability
        • Management & Professional Liability
        • 财产
        • Business Owner's Policy
        • 担保债券
        • Workers Compensation
        • More
      • 行业
        • 建造
        • 活力& Renewable
        • 金融机构
        • Healthcare
        • 制造业
        • Real Estate
        • Technology
        • Transportation
        • More
      • Prepare & Prevent
      • Services
        • Risk Control
        • 宣称
        • 优惠审计
        • More
      • Pay Your Bill
      • Small Business
      • Large Business
      • Multinational Business
      • 对于商业概览
    • 管理与远程劳动力相关的风险的提示

      管理与远程劳动力相关的风险的提示

      With the current reality of more employees working from home through the pandemic, is your business ready for all the implications?

      Learn more
  • 宣称Center
      • 宣称Center
      • Should I File a Claim?
      • 报告申诉
      • Roadside Assistance
      • 查找服务提供商
      • Check Your Claim Status
      • 管理您的主张经验
        • 索赔报告后续步骤
        • 宣称Guide Library
        • Workers Compensation Resources
      • 宣称Capabilities
    • Send us your receipts, photos, invoices and more with just a push of a button.

      Securely share information with your Claim team.

      Send us your receipts, photos, invoices and more with just a push of a button.

      上传一个文件
  • Prepare & Prevent
      • 新利18足球竞猜安全吗
      • 家庭中央
        • Buying & Selling
        • 家庭维护
        • 家庭装修
        • Home Safety
        • 移动
        • Smart Home
      • 旅行者车库
        • Buying & Selling
        • 车Maintenance
        • Distracted Driving
        • 安全驾驶
        • Teen Driving
        • Boating
      • 保险101.
      • 天气
      • For Business
      • 行业
        • 建造
        • 活力
        • 制造业
        • Nonprofit
        • Small Business
        • Technology
      • Topics
        • Business Continuity
        • 网络
        • 司机和舰队安全
        • 设备管理
        • Internet of Things
        • 产品和服务责任
        • Supply Chain Management
        • 工作场所安全
      • Travelers Risk Index
    • Managing Through COVID-19

      Managing Through COVID-19

      Resources to help you adapt to the realities of COVID-19.

      Learn more
  • Home
  • For Business
  • Business Owner's Policy

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

Find Solutions

Discover products by industry:

Tailor your Solution

相关产品和解决方案

Workers Compensation – Small Business

在发生与工作有关的伤害发生时,对您的员工提供福利,并保护您的业务。

Commercial Auto

Whether you have employees driving occasionally to an off-site meeting or a fleet of drivers delivering products to customers every day. Travelers can help protect your business on the road.

Commercial Umbrella

A powerful layer of protection for your business when a catastrophe occurs.

专业保险

不幸的是,错误会发生错误。保护您的业务免受业务提供的专业服务,建议或建议产生的责任风险。

洞察和专业知识

cyber risks and your business

网络Risks and Your Business [Video]

请查看数据泄露如何影响业务,以及企业可以做些什么来帮助保护此视频中的网络风险。

办公室的女人要去瑜伽课练习正面

5 Ways Mindfulness May Increase Productivity for Your Small Business

在办公室创造更加谨慎的文化可以为您和您的团队提供福利。

查找保险条款的小企业主

Small Business Insurance Glossary

Here are some of the more important terms to help you understand your policy.

Related Services

Risk Control

We have one of the largest Risk Control departments in the industry, and our scale allows us to apply the right resource at the right time to meet customer needs.

宣称

Our knowledgeable Claim professionals will respond to your needs with speed, compassion, integrity and professionalism. It's our business to help keep you in business.

Find Solutions

Discover products by industry:

Tailor your Solution


Retail Business Coverage Scenarios

Small Retail Business Scenarios

Explore our one-stop-shop approach to business protection.


Find an Agent

Need an Agent?

Get the personal service and attention that an agent provides.

Find a local agent in your area:


Resources

  • 迈尔维拉弗斯®商业用途
  • Small Business Glossary of Terms
  • 小企业常见问题
  • Navigating your business through COVID-19

For Agents

  • Agent Website
  • Become an Agent

Find an Agent

Need an Agent?

Get the personal service and attention that an agent provides.

Find a local agent in your area:

Travelers logo

Travelers and The Travelers Umbrella are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.
新利18官网娱乐

  • Travelers on Facebook
  • youtube上的旅行者
  • Travelers on Twitter
  • Travelers on LinkedIn
  • Instagram上的旅行者

产品& Services

  • 新利18足球竞猜安全吗
  • For Businesses
  • 索赔服务
  • Prepare & Prevent

我们公司

  • About Travelers
  • 18luck新利备用网登录
  • 投资者
  • 澳门新利娱乐网址

Connect

  • 客户支持
  • 迈尔维拉弗斯®
  • For Agents
  • Find an Agent

Legal & Compliance

  • 服务条款
  • Privacy & Security
  • 无障碍
  • Producer Compensation Disclosure

The Travelers Indemnity Company and its property casualty affiliates. One Tower Square, Hartford, CT 06183
此材料不修订或以其他方式影响旅行者发出的任何保险单或债券的规定或覆盖范围。在任何此类政策或债券下,它不是覆盖范围或不存在任何特定索赔或损失的陈述。覆盖范围取决于索赔或损失,所有适用的政策或债券条款以及任何适用法律的事实和情况。本文件中引用的覆盖范围的可用性可以取决于承保资格和国家规定。
全部rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.

    Baidu