What is a Business Owner’s Insurance Policy?

As a small- or medium-sized business owner in California, your plate is full of responsibilities. Not only do you have to run your business and keep your customers happy, but you may also have to oversee employees, do your own books, maintain inventory, and provide marketing.

Everywhere you turn there are potential risks that could destroy everything you’ve been working so hard to build. What happens if a customer slips on a spill in your store and hurts their back, or an employee embezzles money, or someone breaks in at night and steals a key piece of equipment?

Accidents, theft, or disaster are sometimes impossible to prevent. The best you can do is to protect yourself and your business through a business owner’s insurance policy (BOP).

At Fusco & Orsini Insurance Services, we meet with a wide variety of business owners here in Southern California, and many times we find that business owners are confused about what types of insurance are best for their business. Many also worry that the cost of insurance will be too high.

In almost every instance, we recommend a tailored business owner’s insurance policy, when available (please note that is some industries, i.e. construction, BOPs are seldom available). A BOP is not a singular policy, but actually a collection of policies bundled together for convenience and cost savings. Each business owner’s BOP will be different depending on what type of insurance they need for their particular business.

Business Owner’s Policies can include:

  • Property Insurance: Protects against damage to buildings, equipment, and inventory
  • Business Interruption Insurance: Will offset lost profits and pay owed expenses if the business must halt operations
  • Liability Coverage: Protects against lawsuits for harm or injuries claimed by a third-party.
  • Crime Insurance: Covers losses due to employee crime, such as theft.
  • Hired & Non-Owned Auto Liability

Our clients overwhelmingly appreciate the simplicity and cost savings of a BOP policy. Instead of having to purchase and keep track of a handful of different policies, their BOP policy protects their business from a wide variety of potential harms.

At Fusco & Orsini, we work with each client to put together the BOP that matches their needs and budget. We can write BOP policies for almost any type of business, but we specialize in the following industries: beauty salons, nail salons, barber shops, childcare (residential and commercial), clothing stores, convenience stores, delis, grocery stores, electronics store, fitness center, janitorial services, laundromats, liquor stores, mobile home parks, residential condominium owners, specialty training schools, truckers, offices, vacant buildings, vacant land.

For more information or to set up a free consultation to discuss business owners policy, call us at (858) 384-1506 or contact us through our website.

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