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Business Owners Insurance Buffalo NY
Business owners policy (BOP) is a combination of general liability and business property insurance. BOP is often used to provide balanced coverage for small businesses in Buffalo who also want to protect their own business equipment.
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Many small business owners in Buffalo NY mistakenly believe that if they have general liability insurance, their own losses are covered as well as the losses of their customers. But a general liability policy does not protect you when it comes to your OWN property. If you want to protect your own property consider buying Business Owners Policy (BOP).
What Does a Business Owners Policy Cover?
- General liability insurance which protects your business from another person or business’ claims of bodily injury, associated medical costs and damage to their property.
- Property liability insurance - your business furniture and equipment at up to five different office locations, which includes accidental damage.
You should consider a business owners policy if you:
- Need general liability insurance coverage.
- Have business equipment such as computers, printers and furniture.
- Own the building at which you work and need to insure the property.
- Own and work with large amounts of data on a regular basis.
- Have employees who could act dishonestly or steal clients' property.