Whatever your business needs, we've got the solution.
Essential coverage for your business.
What is a Business Owners Policy?
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.
What Does A Business Owners Policy Cover?
General Liability: This protects you against costly claims and lawsuits resulting from a customer being injured while at your business – and if you damage other people’s property.
Property Insurance: If buildings and other structures you own are damaged or destroyed, you’re 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, we’ll 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 don’t have the proper coverage?
FNISC can help you create a plan that meets your needs at a price that fits your budget.