Business Owners Policy Insurance (BOP)
Property Insurance Protection
This is the core of a BOP. It covers the physical structure of your business premises as well as its contents. This might include the building itself, equipment, furniture, inventory, and other materials.
Business Interruption Protection
Also known as business income insurance, it covers the loss of income resulting from a disaster. This could be due to disaster-related closing of the business facility or due to the rebuilding process after a disaster.
Liability Insurance Protection
This covers your business’s legal responsibility for the harm it may cause to others. This harm could be due to things you and your employees do or fail to do in your business operations, or from defective products or services sold.
Personal Property Protection
This covers personal property at the insured premises. It’s particularly relevant if you have a home-based business or store personal items at your business location.
Loss of Use
Protection
In case your business premise becomes unusable due to covered peril, this coverage can help cover the costs of relocating or operating from a temporary location.
Equipment Breakdown Protection
This covers the cost of repairing or replacing damaged or broken down equipment. It can also cover the loss of income while the equipment is being repaired.
Comprehensive Coverage
Securing Your Dream, Protecting Your Future
Starting and running a business is not just a career choice; it’s a realization of your dream. Every business owner knows that unforeseen challenges can arise at any moment. That’s where a Business Owners Policy (BOP) becomes essential. Tailored to meet the unique needs of your business, a BOP acts as a safety net, ensuring your hard work isn’t undone by unexpected events.
Customized for Your Business
Whether you’re a boutique owner, a cafe proprietor, or a tech startup wizard, your BOP is designed to cover the risks specific to your industry. Our customizable policies ensure that you only pay for what you need.
Safeguard Your Business's Lifeline
Your business is more than a building and products; it’s your passion and livelihood. With comprehensive property and personal property coverage, you protect not just your physical assets but also the essence of what makes your business unique.
Stay Operational Through Thick and Thin
Challenges like equipment breakdown or crime-related losses can disrupt the smooth running of your business. With our BOP, we ensure that these hurdles don’t halt your operations, helping you stay on track and keep serving your customers.
Navigate Legal Complexities with Confidence
In today’s litigious environment, liability protection is not just a safety measure; it’s a necessity. Our BOP offers robust liability protection, guarding your business against claims that could otherwise be financially crippling.
Cal Patriot Insurance
4005 N Blackstone Ave. #201 Fresno Ca. 93726