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BOP

Business  Insurance

We evaluate your particular needs and industry requirements, use our years of industry expertise to shop the best deals and customize a plan that's perfect for you and your business. 

Businesswoman on Computer All Seasons Insurance
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General Liability and

BOP (Business Owners Policy)

Getting your business insured is the most important aspect of protecting your business. There are multiple options for coverage but to keep things simple here's a quick rundown:

 

General Liability Insurance covers your business from claims of bodily injury or property damage, but also if someone sues you for advertising injury. This is separate from a Commercial Property Insurance which covers your location and equipment. A Business Owner's Policy (BOP) combines General Liability Insurance with Commercial Property and Business Income Insurance, providing much more security than just General Liability.

 

All Seasons Insurance has many years of experience handling Business Insurance policies and their individual needs. As each business is different, so also will be the required coverages. Our staff will walk you through the best options and coverages needed for your business. We will provide you with quotes from different companies to offer you the best value for your desired coverage. Contact us today for a quote.

HELPFUL TIPS

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:

  • Commercial Building and Property

  • Commercial Auto 

  • Group Life Insurance

  • Contractors

  • Builder's Risk

  • Professional Liability

  • General Liability

  • Farm and Ranch

  • Hotel and Motel

  • Bars and Restaurants

  • Practices Liability

  • Church and Nonprofit

  • Umbrella Business Insurance

  • Workers' Compensation

  • Apartment Building Owners

  • Business Owners Policy (BOP)

  • Inland Marine
  • Errors and Omissions (E and O)

  • Directors and Officers

  • Marijuana Dispensary

  • Condo Associations

  • Cyber Liability

  • Self-Storage

  • Bonds