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A Business Owners Policy (BOP) bundles the core coverages most Florida small businesses need — general liability, commercial property, and business income — into one policy at a lower cost than buying them separately. Because we're independent, we place your coverage with carriers that understand your industry, whether you run a shop, office, restaurant, or contracting business.
A Business Owners Policy combines general liability, property, and business income coverage in one package, usually at a lower cost than separate policies.
Yes — your landlord's policy covers the building, not your equipment, inventory, or improvements. If you only need liability, see general liability.
It replaces lost income and pays ongoing expenses when a covered peril, such as a fire or storm, forces you to suspend operations.