Halkos Insurance Agency - A Family Owned Independent Insurance Agency

Halkos Insurance Agency - A Family Owned Independent Insurance Agency

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Home > Business Owners Policy | Laurel and Throughout Maryland

Business Owners Policy in Laurel and Throughout Maryland 

Business Owners Policy Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

BOP Insurance Quote

Business Owners Policy Insurance Information

As a small business owner, you should have protections in place for any liabilities that could negatively impact your organization. Although being properly insured comes with a financial cost, the financial risk of forgoing coverage is even greater. Your small business may be eligible for a business owner’s policy (BOP), a combination of three essential commercial coverages that can help your business meet its insurance needs more cost-effectively than purchasing each policy separately.  

What Is a Business Owner’s Policy? 
A business owner’s policy is one of the best ways for a small business to have comprehensive and affordable insurance coverage in one package. A BOP offers the most important coverages, including property, general liability and business interruption insurance. A BOP is also customizable to meet any small business's insurance needs—no matter its size, location or industry. 

What Does BOP Cover? 
A BOP combines the following three main types of coverages: 

  • Commercial general liability insurance helps protect a business if someone makes a claim against you or your organization. This could include coverage for the following situations:
    • A customer slipping and falling in your establishment
    • A defective product that causes damage to someone’s personal property 
    • Legal claims related to advertising
  • Commercial property insurance helps protect any property associated with the business, including the physical building you own, lease or rent, and any equipment, furniture and inventory. It may help cover repairs or replacement costs of stolen, damaged or destroyed property, including assets that aren’t owned by you but are in your care. Commercial property insurance may also cover loss of income and covered expenses while your property is being repaired or replaced due to a covered loss.
  • Business interruption insurance, also known as business income insurance, helps financially protect your business if it is forced to close following a covered loss. It can help pay for certain recurring business expenses, such as taxes, commercial property rent, and payroll.  

Your insurance provider will determine the exact situations covered by your BOP. It’s important to discuss your business’ risks when determining what will be included in your policy. 

BOP Quote in Laurel, MD 
If you are interested in getting a quote for a BOP, contact the experts at Halkos Insurance Agency. We have been helping to protect individuals, families and businesses since 1990. Get in touch today! 

 

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8635 Cherry Lane
Laurel, MD 20707

P: 301-206-5464 |Alternate: 301-490-5300 | info@halkosinsurance.com
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