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Business Owners Policy (BOP) - Coverage for Multiple Locations Burlington 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.

American Family Insurance
(319) 233-1555
3641 Kimball Ave
Waterloo, IA
 
Daniel.Stafford
(512) 452-4461
8828 Research Blvd.
Austin , IA
 
Dusing Dan
(319) 362-1606
1935 1st Ave Se
Cedar Rapids, IA
 
Shelter Insurance
(319) 447-2052
4837 1st Ave Se Ste 200
Cedar Rapids, IA
 
Baldwin Marci
(515) 232-0771
516 Lincoln Way
Ames, IA
 
Nalley James D CPA-ABV-CVA
(515) 282-8019
1707 High St
Des Moines, IA
 
Muehl And Associates Insurance Services
(319) 291-6170
3418 Lafayette Rd
Waterloo, IA
 
Shelter Insurance
(563) 386-7852
3518 Jersey Ridge Rd
Davenport, IA
 
State Farm Insurance Companies
(319) 294-1858
4225 1st Ave Se
Cedar Rapids, IA
 
Allstate Insurance Companies
(319) 396-0710
408 Edgewood Rd Nw
Cedar Rapids, IA
 

Business Owners Policy (BOP) - Coverage for Multiple Locations

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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'...

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