1. Commercial General Liability (Premises & Operations)
General Liability protects your business when a customer, vendor, or visitor is injured on your premises or when your day-to-day business operations accidentally damage someone else's property. It also covers legal defense costs, attorney fees, and settlements up to your policy limits.
Real-world example: If a customer slips on a wet entryway floor inside your retail shop or coffee house and breaks a wrist, General Liability covers their medical claim and defends your business if a lawsuit is filed.
2. Business Owners Policy (BOP) — Bundled Property & Liability
A Business Owners Policy packages Commercial General Liability together with Commercial Property coverage into a single, cost-effective policy designed for small and mid-sized businesses. Bundling both into a BOP typically costs significantly less than buying standalone policies.
Real-world example: An accounting firm, boutique retailer, or local restaurant gets full slip-and-fall liability plus replacement-cost protection for their furnishings, computers, and signage on one streamlined policy.
3. Commercial Building & Business Personal Property (Contents)
Whether you own your commercial building or lease space where you're responsible for tenant improvements, furnishings, kitchen equipment, or retail inventory, Commercial Property covers physical damage from fire, smoke, burst pipes, wind, theft, and vandalism.
Real-world example: If an overnight electrical fire damages your leased office suite and destroys $65,000 in desks, servers, and stock inventory, Business Personal Property pays to replace everything at replacement cost.
4. Business Income & Extra Expense (Business Interruption)
When a covered property loss forces your business to close its doors while repairs are made, bills and payroll don't stop. Business Income replaces your lost net profit and continuing operating expenses (like rent, utilities, and key staff payroll) and pays Extra Expense to rent temporary space so you can reopen faster.
Real-world example: If a burst pipe floods your clinic or storefront and shuts you down for six weeks during restoration, Business Income keeps your rent and payroll paid while contractors rebuild.
5. Products & Completed Operations Liability
Your liability doesn't end when a customer walks out the door with a product or after your service technician leaves a client's site. Products and Completed Operations covers bodily injury or property damage caused by products you sell, distribute, or prepare, or services you've completed.
Real-world example: If a product sold in your store malfunctions or a food-service item causes an illness claim, Products Liability steps in to handle legal defense and covered damages.
6. Cyber Liability, Employment Practices (EPLI) & Hired/Non-Owned Auto
Modern Business Owners Policies can be tailored with essential endorsements including Cyber Liability (for customer payment/data breaches and ransomware), Employment Practices Liability (for wrongful termination or harassment claims), and Hired & Non-Owned Auto when employees run bank or supply errands.
Real-world example: If a phishing attack compromises client records or a point-of-sale terminal, Cyber coverage pays for mandatory customer notification, credit monitoring, and IT forensics.
