Call us today: 720-800-9495
Call us today: 720-800-9495
Taking the time to determine how best to safeguard businesses against the day-to-day exposures they face along with protecting against potentially unforeseen incidents and events is what we offer our clients at Mountainside Insurance Management. We get to know your business and operation as well as your current and future goals and plans to determine what type of policies you require to help grow and expand your company.
For businesses that qualify, we can provide a Business Owners Policy (BOP), which offers essential commercial coverages bundled into a single policy at a competitive price. This includes Commercial Property and Commercial General Liability insurance to protect your building (if you own it) and business personal contents against various perils including fire and theft, and your assets. You’ll also be protected in the event of a business interruption and equipment breakdown.
Options for further coverage may include protection for improvements you have made to a space you lease, your outdoor signage or other items, employee crime, money and securities, specialty equipment and special liability risks your business faces, such as food-borne illness, product recall, liquor liability and others. It all depends on your business sector, the risks you face, and the coverage you require to address your exposures.
At Mountainside, we’ll also review whether you also need additional coverages that go beyond what a BOP policy offers. For example, companies with owned vehicles need Commercial Auto insurance, contractors require Inland Marine insurance for transported tools and equipment not covered by the standard wording in a policy; and Flood insurance will cover your building and contents in the event of a loss.
A BOP bundles General Liability (third-party bodily injury, property damage, and advertising injury) with commercial property coverage for your building, equipment, inventory, and business personal property, often at a lower combined premium than buying each separately. Many BOPs also include business interruption coverage that replaces lost income if a covered event forces you to temporarily close.
BOPs are generally designed for small to mid-sized businesses with moderate risk profiles — offices, retail stores, restaurants, and similar operations. Higher-risk industries like heavy construction, or businesses with unusually high revenue or property values, sometimes need coverage built from separate liability and property policies instead of a packaged BOP. We can tell you quickly which structure fits your specific business.
Most BOPs include business income (business interruption) coverage, which reimburses lost income and certain ongoing expenses if a covered peril, like fire or wind damage, forces you to suspend operations while your property is repaired. Coverage limits and the specific perils covered vary by carrier, so it’s worth confirming the exact terms rather than assuming it’s automatically unlimited.
No. A standard BOP does not include Workers’ Compensation or commercial auto — those are separate policies you’ll need in addition to a BOP if you have employees or business vehicles. A BOP specifically covers general liability and commercial property exposures.
Yes, most BOPs allow endorsements for coverages like cyber liability, equipment breakdown, and employment practices liability, letting you customize the base policy rather than purchasing entirely separate policies for every additional exposure. Which endorsements make sense depends on how your business operates day to day.
Common exclusions include professional errors or negligence (needs Errors & Omissions coverage), employee injuries (needs Workers’ Comp), flood and earth movement (needs separate policies), and intentional acts. Reviewing your policy’s exclusions with your broker helps identify where a standalone policy might be needed to close a gap.
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