Business Owner's Policies (BOP)
Commercial insurance may be available in an affordable, General Liability and property package policy known as a Business Owner's Policy, or BOP, if yours is a small business to a medium-sized business operating in a low-risk business class.
A BOP combines General Liability insurance and Property insurance in a single commercial insurance policy. For many growing companies, BOPs offer great small business insurance coverage at very competitive premiums.
A General Liability and property package policy includes General Liability insurance to cover your commercial liability and property insurance for physical assets, such as contents, that are leased or owned. The package insurance policy may also cover loss of business income and extra expense resulting from an insured peril. A business insurance package policy generally insures lost or damaged property for replacement value, which means you'll receive a settlement amount sufficient to replace the property without deducting for depreciation. The Property insurance portion of a General Liability and property package policy also covers other people's personal property to the extent that the business owner is legally liable for the damage.
America First Insurance - BOP Eligible - Sample List - Call for Complete List and Eligibility
| Accounting | Dry Cleaners | Kennels - Breeding or Sales |
| Air Conditioning | Dry Cleaner Stores | Landscape Gardening |
| Architects | Dry Wall or Wallboard Install | Laundries and Dry Cleaners |
| Auto Repair Shops | Education Supplies Store | Lawn Car Services |
| Attorney Office | Electrical Equipment | Law Firms |
| Barber Shops | Electonics Stores - Retail | Libraries |
| Building or Premises | Employment Agencies | Locksmiths |
| Cable Install | Engineers or Architects | Machine Shops |
| Carpentry - Interior | Engraving | Medical Offices |
| Ceiling or Wall Install | Eye Glass Mfg | Metal Erection |
| Cell Phone Stores | Fabric Distributors | Metal Goods Mfg |
| Cemeteries | Fabric Stores | Mortgage Company |
| Cheese Stores | Fence Dealers | Museums |
| Children's and Infant Wear | Fish, Meat, Seafood Retail | Nail Salons |
| Chiropractors | Fishing Equipment Stores | Optometrist |
| Clothing Manufacturer | Floor Covering Stores | Oral Surgeon |
| Clothing - Retail | Florists | Painting |
| Clubs - private or semi-private | Furniture Manufacturing | Pet Stores |
| Coffee, Tea and Spice | Furniture Retail | Plumbing |
| Coffins and Casket Mfg | Gift Shops | Real Estate Agents |
| Communications Eqt Install | Glass Dealers | Restaurants |
| Computer Mfg | Golf Courses - Miniature | Septic Tank Cleaners |
| Computer Stores | Golf Driving Ranges | Sheet Metal Work - Shop |
| Concrete Construction | Hardware Stores | Shoe Stores |
| Consultants | Heating and Air | Title Company |
| Dentists | Insurance and Inspection | Vending Machine Companies |
| Dollar Store - retail | Insurance Agents | Veterinarians |
| Donut Shop | Janitorial Services | Wallpaper Retail |
| Door or Window | Jewelry Mfg | Watch, Clock, Jewelry Repair |
| Drugstores | Jewelry Stores - Retail | Wire Drawing |
Professional Liability Insurance
Many professions have the need for professional liability insurance which most BOP policies exclude. However, this can be purchased along with your General Liability or Professional Liability Insurance. Accountants, Insurance Agents, Lawyer - Attorneys and Real Estate Agents are very easy to place. Call us today.