Business Owner’s Policy

Choose the agent who knows the policy that’s right for you.

protecting your business BEGINS WITH A PLAN THAT COVERS your risk of loss.

A Business Owners Policy, commonly referred to as a BOP, is the most common type of commercial policy. It combines protection for all the major property and liability risks.

BOPs are specific to the type of business being conducted. For example, a printer will have a different package than a dry cleaner. A florist will have a different package than a restaurant.

The BOP contains all of the most common coverages required for a specific type of risk. This type of policy is usually less expensive than purchasing the individual coverages separately.

Business Owners Policies work best for small- to medium-sized businesses. They typically contain all the standard coverages, such as coverage for income loss or losses sustained from business interruption. The also provide coverage for inventory, stock, and newly acquired properties.

The liability portion of the policy covers the insured’s legal responsibility for damages that may be inflicted on others. This type of damage would need to have been incurred through the normal course of business. It may include, but not be limited to, defective products, faulty installations, errors in provided services, and of course bodily injury.

With so many variables and complexities of coverage, it’s wise to check your current plan and determine if you need it assessed. Is it truly providing you all of the coverage you need at the best price possible?

Premier Partners

Premier Benefits

We Do The Work

Finding insurance is hard, tedious work. It’s bad enough that you’ll be on everyone’s email list after filling out your personal information multiple times. Even worse is having to pour through and understand the gobbledygook written by corporate lawyers. And how do you compare apples to oranges? Premier Insurance Services is here to help. Just give us your information once. We’ll compare prices, benefits, services, and the best fit across multiple companies. We do all the work. You get the best possible price and fit.

Dozens of Choices

Do you know the big difference between captive and independent agents? Captive agents have limited options; they can only offer you their own plans, whether they’re a good match or not. Premier is an independent agency. We have relationships with dozens of carriers who have access to hundreds of policies. With Premier, nearly the entire insurance industry is available to you. We’re the right choice, because we give you the most choices. Let our 25 years of building relationships work for you.

Value-Based Pricing

You might be asking, “What the heck is value-based pricing?” Good question. Is it getting the most features for the price… or the best reputation for the price… or maybe its getting faster service, more locations, or unique options. What we mean by it is this: you will get the right coverage at the best price. No more, no less. And with that comes the peace of mind in knowing you’ll be made whole if anything should happen. That’s value-based pricing.

The Right Coverage

We all believe we have the right coverage. But how can you be sure? It’s likely your agent gave you the best possible advice and coverage he could. But it’s just as likely that your agent wasn’t able to compare all the companies that see you as their perfect client. Insurance carriers look for certain types of risks…if you fit their particular sweet spot, they can’t be beat. If not, then you’ve been sold a cookie cutter policy that’s costing you a lot more than it should. At Premier, we will find the carrier that sees you as its sweet spot. Our reputation is built on that promise.

Business Owner’s Policy

protecting your business BEGINS WITH A PLAN THAT COVERS your risk of loss.

Premier Partners

Premier Solutions

Is Your Insurance Right for You?

Premier Partners

Premier Benefits