A Business Owners Policy, or BOP, is an Insurance policy for small and medium-sized businesses that combines several business-related risks into one policy. The policy covers the business property, the building (if the business owns the building), crime, business interruption (lost income), and general liability. Many optional coverages can be added to a business owners policy, and may include non-owned automobiles used by the business, tenant legal liability, computer and data coverage, equipment breakdown, etc. 

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Why the MSVIA for a Business Owners Policy? 

The MSVIA wants to provide you with the resources and knowledge to make the right decision with choosing an insurance carrier that will provide your practice with adequate coverage for your business. Here at MSVIA, we represent a variety of carriers that are chosen for their financial stability and superior service. Provide peace of mind for you and your business—request a Business Owners Policy quote from MSVIA today. 

Why is a BOP Important? 

The Business Owners Policy can pay the repair/replacement costs for physical damage and can provide continued cash flow if the business must close temporarily – which can help a business get back on its feet after a loss, whether catastrophic or smaller. The general liability protects the Insured from claims from clients, vendors, and others who have suffered an injury or damage to property and allege that the business owners were negligent and liable for their loss. The policy will pay legal defense costs, settlements and/or verdicts up to the policy limit. 

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