General Liability and
BOP (Business Owners Policy)
Independent contractors typically need a BOP to safeguard against unexpected financial losses beyond general liability claims. BOP protects your small business, including property coverage, business interruption and extra expenses, liability protection, tools and equipment, and crimes.
Ask about our mulit-policy package protection – discounts when combining coverage such as commercial property and auto.
From the WA state Office of the Insurance Commissioner:
What to consider before buying business insurance.
Depending on the size of your business, you can:
Add an endorsement or rider (extra coverage) to your homeowner policy; or
Buy business insurance (also called commercial general liability insurance).
Consider your coverage options
Property coverage protects the buildings, inventory and equipment where you operate your business
Property coverage protects your inventory and equipment if you lease the building space (the landlord is responsible for covering the building)
Liability coverage, if someone gets hurt or property damage occurs
Business-interruption coverage, if a loss forces you to close your business
Commercial auto coverage on the vehicles you use for your business
Umbrella or excess liability policies step in after a large loss and extend your liability coverage, giving you an added layer of protection
Employee health insurance for you and any employees
Life insurance protects you and/or your business operators
Our BUSINESS INSURANCE options include: