Business Owner's Policy and Packages

Business owners face many risks every day — including several the they might even be aware of. A Business Owners Policy (or BOP) could be a comprehensive answer to many of the needs of business owners. Looking at factors such as the size of your company and other factors, we can help business owners find coverage that will bring them peace of mind.

Business Owner’s Policies often include several additional coverages — such as Business Income/Extra Expense, Employee Dishonesty, Hired and Non-Owned Auto, and even Umbrella insurance — as part of the package. These additional coverage options are often either included atno additional charge. If not, they can be added to the package cost far below their rates as stand alone policies.

• Business Owner's Policy: A business owner’s policy, or BOP, combines business property and general liability insurance in one policy. A BOP is designed for smaller businesses.

• Commercial Package: A package also offers property and general liability protection, along with broader coverage options and higher policy limits. A package provides a comprehensive solution for small and midsize businesses with more complex needs that may not be eligible for BOPs. 

 

For Small Businesses

If you’re a business owner opening your second store location, you need to feel confident that your company is protected. Our commercial business owner's policy (BOP) provides property and liability coverage in a single policy for small businesses with up to $8.5 million in receipts per location. We also offer optional coverages such as employment practices insurance and employee benefits liability insurance.

G & H Financial Insurance Services offers BOPs for a number of businesses, including:

• Dry cleaners
• Florists
• Medical offices
• Printers
• Veterinarians

For Small to Midsize Businesses

If your business has a large physical presence and expensive equipment, you might find yourself with additional coverage needs. Our custom packages bundle property and liability coverage together for businesses with up to $15 million in receipts per location. Since different industries have unique insurance needs, G & H Financial Insurance Services offer tailored coverage for businesses such as:

• Condominiums
• Construction
• Food processors
• Garages
• Hotels/motels
• Manufacturers
• Restaurants
• Retailers
• Service providers
• Wholesalers

For Midsize Businesses With More Complex Needs

If your business has locations in a number of states throughout a region, your operations and insurance needs are complex. And if you're planning for further growth, it's crucial that you protect your employees, equipment, locations, and customers.

Designed specifically for midsize businesses, the Comprehensive Business Package combines property and liability coverage. Since property extension, equipment breakdown, and employment practices liability coverage are also offered as additions to this package, your business can be protected in all areas. G & H Financial Insurance Services offers customized policy solutions for a variety of industries, including:

• Artisan contractors
• Auto service
• Construction
• Golf courses
• Hotels
• Manufacturing
• Religious Organizations
• Restaurants
• Retailers
• Service providers
• Wholesalers

No matter which option you choose, you can count on G & H Financial Insurance Services to help protect what you've worked so hard to build.