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BUSINESS OWNERS POLICY

Essential Business Protection, Brought Together in One Policy.

A Business Owners Policy (BOP) brings property, general liability, and business income protection together for businesses that qualify. Compare options from multiple insurance companies with independent advice on what’s included, what isn’t covered, and where separate coverage may be needed.
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A SMARTER WAY TO PROTECT YOUR BUSINESS

One Policy Can Cover Several of Your Business’s Most Important Risks.

A Business Owners Policy, commonly called a BOP, combines several essential business insurance coverages into a single policy. It can be a practical option for eligible small and growing businesses that need protection for their property, liability exposures, and interruptions to normal operations. Cook Insurance helps you understand what your business actually needs, how the different coverages work together, and where additional protection may be worth considering.
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Business Property

Your equipment, inventory, furnishings, and buildings represent a significant investment. Business property coverage can help pay to repair or replace the property your policy insures after theft or another covered loss.

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General Liability

A customer injury or accidental damage to someone else’s property can lead to a claim against your business. General liability coverage can help pay the cost of defending a claim and amounts your business legally owes for injuries or damage the policy covers.

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Business Income

A temporary shutdown can interrupt income while bills continue. If covered property damage disrupts your operations, business income coverage may help replace lost income and pay continuing expenses included in your policy, for the period it allows.

BUILT AROUND YOUR OPERATIONS

A BOP Is a Foundation—Not Always the Entire Insurance Strategy.

Every business operates differently. Your employees, vehicles, property, customers, contracts, and industry can introduce risks that aren’t necessarily addressed by a standard Business Owners Policy. We look at your business as a whole to help determine where a BOP fits and whether additional commercial coverage should be considered.
  • LOOK BEYOND THE BASICS

Your Business Can Change Faster Than Your Insurance.

As your company grows, your risks can change too. New employees, equipment, locations, contracts, or services can create exposures that weren’t present when your policy was first purchased.
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Your Business Has Grown
Higher revenue, additional inventory, new equipment, or expanded operations may change the protection your business needs.
1
You’ve Added Employees
Hiring employees can introduce new insurance requirements and risks, including the need to consider workers’ compensation coverage.
2
You’ve Moved or Added a Location
A new office, storefront, warehouse, or other location can change your property and liability exposures.
3
Your Services Have Changed
Offering new products or services may introduce risks that your existing policy was not originally designed around.
4
  • OUR APPROACH

The Right Coverage Starts With Understanding Your Needs.

Every situation is different. We take the time to understand what you’re protecting, review your current coverage, and help identify potential gaps so you can make informed decisions with confidence.
A Business Owners Policy, or BOP, combines business property, general liability, and business income coverage in one policy for businesses that qualify. What it covers, how much it pays, and what it leaves out vary, so it’s important to understand which risks may need separate coverage.
Eligibility depends on the kind of work you do, the size of your business, its location, revenue, and daily operations. Insurance companies have different requirements, so reviewing those details is the starting point for finding out whether a BOP fits your business.
A standard BOP generally doesn’t include workers’ compensation. That coverage addresses work-related employee injuries and illnesses and is typically purchased separately.
A BOP generally doesn’t insure your business vehicles. Whether you drive between job sites, make deliveries, or send employees on errands, how those vehicles are used determines the coverage to consider—including when someone uses their own car for work.
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Has Your Business Changed Since You Bought Your Policy?

New equipment, more employees, or a different location can change what’s at risk. Take a closer look at your BOP and any separate policies to see whether your coverage has kept pace.
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