- 2600 Michelson Dr. Suite 1400 Irvine, CA 92612
- info@fnisc.com
- +1 800-745-5866
Essential coverage for your business.
What is a Business Owners Policy?
A Business Owners Policy (BOP) bundles two essential coverages: general liability and property insurance. This affordable insurance package protects you against the unexpected risks of doing business. Itâs a great choice for small- to medium-sized businesses, such as hair salons, florists, landlords, photographers and more.
It’s good to know that:
– A BOP can easily be customized to match the unique needs of your business.
– Equipment breakdown, loss of income, money and securities protection and more are included at no additional charge.
Business owners insurance from FNISC is affordably priced based on the type of business you own, the value of your property, you as the owner and other factors.
Fax: 800.753.0569
What Does A Business Owners Policy Cover?
Business owners insurance is designed to protect you against a broad range of risks. The coverages typically included in a BOP are:
General Liability: This protects you against costly claims and lawsuits resulting from a customer being injured while at your business â and if you damage other peopleâs property.
Property Insurance: If buildings and other structures you own are damaged or destroyed, youâre covered. It also protects your office equipment, business equipment and inventory from a covered loss.
Loss of Income: In the event your business is shut down (for up to 12 months), this coverage protects your income and provides help for ordinary payroll expenses.
Equipment Breakdown: When your covered equipment breaks down or is damaged by covered claims, weâll help pay to get things back up and running.
Professional Liability: Unfortunately, you could be sued as a result of the services you provide to your customers. For specific occupations, this coverage can be added for protection against costly claims and lawsuits.
Do I Really Need Business Owners Insurance?
Well, did you know the average bodily injury or property damage claim could cost your business tens of thousands of dollars, or more? Could you afford to pay these costs out of pocket? What about fires, extreme weather events, theft and other mishaps, which could also put you out of business if you donât have the proper coverage?
FNISC can help you create a plan that meets your needs at a price that fits your budget.