As a small, locally owned insurance agency, McGregor Insurance takes pride in helping other local business owners. One way in which we do this is by providing customizable business owners policies. Also referred to as BOP insurance, this commercial insurance product combines general liability and business property protection into a single package.

Standard BOP Coverage

The personable insurance agents at McGregor Insurance don’t believe in selling one-size-fits-all policies. However, we do have insurance packages with standard coverage that often provides necessary risk-management solutions for small and mid-sized businesses. As we get to know you and your company, we’ll make recommendations based on that information. A standard business owners policy might be exactly what you need. BOP insurance covers

• Property insurance for brick-and-mortar as well as business personal property such as office furniture and inventory
• General liability protection to cover the day-to-day risks of business operations
• Business interruption coverage to help in the event that a fire or other covered disaster disrupts business in a variety of manners

Standard Exclusions

Like every type of insurance, BOP also comes with certain standard exclusions. These include

• Professional liability, which needs to be covered with an errors and omissions policy for licensed or credentialed professionals
• Commercial vehicle coverage, which is important for any company who sends employees on errands or deliveries as well as companies that own fleets of vehicles
• Workers compensation, a legally required no-fault insurance that helps in the event of on-the-job injuries

Depending on the size and scope of your business, BOP insurance may meet all your commercial insurance needs, or it may meet only some of them. Learn more about your coverage options now by filling out our handy online information form. We look forward to helping you protect your business.

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