Ingenuity Group LLC ia an authorized Agent or Broker for these leading Insurance Companies for Business Owners Policy coverage:  Berkshire Hathaway - Guard Insurance Companies, Foremost Insurance Co, The Hartford, The Travelers, Ace, USLI, StarrBop, CNA, Hiscox, and many more.
 

Call Ingenuity Group today for a Free Business Owners Policy Insurance Quote

(877) 380-2658 or (248) 620-9625

                                           

A Busines Owners Policy (BOP) provides General Liability and Property coverage for small and middle market business owners (Lessor Risk, Offices, Wholesalers, Retailers, Professional Services, Institutional, Tradesman, and some Light Manufacturing industries. The BOP may include addtional standard coverage elements including:

• Additional Insured Status under General Liability for Landlords, Vendors, & Loss Payees
• Business Income & Extra Expense Coverage
• Crime Coverage - Forgery or Alteration
• Business Personal Property - Special Form - Replacement Cost Coverage
• Tenant Improvements
• Signage
• Debris Removal
• Preservation of Property
• Fire Department Service Charge
• Pollutant Cleanup
• Exterior Building Glass
• Increased cost of construction
• Personal Property Off Premises
• Outdoor Property
• Valuable Papers and Records
• Accounts Receivable

Special Notes:

1. Please request a Sample Policy form to read for specific General Liability & Property coverage and exclusions. Business Owner Policy form coverage varies by insurance companies.

2. BOP Policy endorsements may include:
A. Limitations of coverage to designated premises
B. Non Owned + For Hire Auto Liability
C. Spoilage Coverage
D. Ordinance or Law
E. Utility Services - Direct Damage
F. Limited Professional Liability policy endorsements - typically with shared GL Limits
G. Earthquake
H. Worldwide General Liability coverage - (availability limited to select carriers)
I. Employment Practices Liability
J. Cyber / Data Breach Liability