Articles Editor's Blog Reader Mail

Business Owners Policy (BOP) - Coverage for Multiple Locations Ankeny IA

Be sure to check on your jurisdictions requirements for workers compensation coverage when you buy your insurance for your business. The bad news: A BOP doesn't include workers compensation, health or disability insurance. If you have employees, you'll need separate policies for these coverages.

Donaghy Kempton Insurors
(515) 288-8545
4000 6th Av
Des Moines, IA
 
Davis Insurance Agency Inc
(515) 274-3838
2815 Beaver Av Ste 200
Des Moines, IA
 
Ncp Investment Banking
(515) 244-8120
100 Market St
Des Moines, IA
 
Flesher & Associates
(515) 274-5500
1239 73rd St Ste H
Des Moines, IA
 
Fortress Wealth Management
(515) 225-1712
2894-106th st
Urbandale, IA
 
Israel Ken Insurance Agency
(515) 288-4250
3500 2nd Ave Ste 5a
Des Moines, IA
 
Pastorino Insurance Agency - Farmers Insurance
(515) 263-0099
1514 E Grand Ave, Ste B
Des Moines, IA
Alternate Phone Number
515-263-0099
Services
The Best Value For Your Insurance Dollar
Prices and/or Promotions
www.pastorinoinsurance.com

Anderson Insurance
(515) 274-4022
5741 University Ave
Des Moines, IA
 
Kevin Olsen Insurance
(515) 253-0489
6000 Douglas Ave Ste 210
Des Moines, IA
 
Nalley James D CPA-ABV-CVA
(515) 282-8019
1707 High St
Des Moines, IA
 

Business Owners Policy (BOP) - Coverage for Multiple Locations

Provided By: 

Business Owners Policy (BOP)

Does your 'home' business operate from more than one location? Maybe your kitchen and your Grandma's kitchen? The Business Owners' Policy (BOP) has been created specifically for small to mid-sized businesses and it will cover multiple locations.

A BOP, like the in-home business policy, covers business property and equipment, loss of income, extra expense and liability. However, these coverages are on a much broader scale than the in-home business policy.

If you need a business insurance policy, you should try to buy business insurance that offers inexpensive, but good, quality coverage for your business, including all of the premises and contents, as well as any moving assets such as company automobiles, from damage or theft.

You will have two ways to get the full coverage that you need:

  • Arrange to cover your contents (work equipment, furniture, etc.) separately from your established building property (walls, roof what you would call the building itself).
  • Buy a single policy that covers your contents and fixed property together.

If you purchase property protection, make sure that it includes personal injury protection for guests or anyone who works for your business. This will cover health expenses regardless of whether incidents are accidental. With this coverage, you can feel comfortable that your employees are covered and you will not lose your business due to a work related accident.

Another important entity in the biz insurance world is workers compensation coverage. This may be legally required in the state where your business is located. It covers your employees in case anything adverse happens that prevents them from being able to work for you. Be sure to check on your jurisdictions requirements for workers compensation coverage when you buy your insurance for your business. The bad news: A BOP doesn't include workers compensation, health or disability insurance. If you have employees, you'...

Click here to read the rest of this article from Insurance Guide 101

About Us | Contact Us | Link to Us | Privacy Policy | Terms of Use | Insurance Resources | Sitemap