Business owners share some common risks, so Evans, Pires & Leonard offers a commercial insurance option called a Business Owners Policy (BOP). While the business owners policy covers generic property and liability risks, it is also sector-specific, meaning the BOP is tailored for each different business segment.
A Business Owners Policy typically covers Buildings, their Contents, the Personal Property of others on your premises, and some kind of Business Interruption coverage. The policy usually insures businesses against perils such as storms, fire, theft, and vandalism. You can add to your property coverage with Equipment Breakdown Insurance, Business Auto, Crime Insurance, and Inland Marine Insurance. If you want coverage for outdoor signs, money and securities, or other special property risks, we can show you your options.
Some kind of General Liability Insurance is also part of the Business Owners Policy. It is customized to the sector the policy serves—for example, auto repair shops would have a garage liability policy, which would be different from a medical offices general liability policy. You can add to your liability protection by purchasing Professional Liability Insurance, Employment Practices Liability Insurance, Hired/Non-Owned Auto Insurance, and Directors and Officers Insurance outside of your BOP.
We offer Workers Compensation Insurance that meets all state requirements, and you can enhance your protection by adding other policies, such as Flood and Earthquake, to your portfolio. You can also expand your liability coverage with Umbrella Insurance.