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Business Owners Policy (BOP) - Coverage for Multiple Locations Pell City AL

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.

Lee Lawrence
8128 Old Federal Rd.
Montgomery, AL
Company
Title: Financial Consultant
Company: Affinity Partners, LLC.
Type
Investment Advisor Rep: Yes
Service
Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Portfolio Engineering,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirem

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J. Charles "Chuck" Dunham
201 Office Park Drive
Birmingham, AL
Company
Company: First Financial Group
Type
Investment Advisor Rep: Yes
Education
Vanderbilt University/BA
University of Alabama Birmingham (UAB)/MBA
Years Experience
Years Experience: 27
Service
Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Portfolio Engineering,401k Rollover From Employer,CD Alternative,Disability Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Captive Insurance,Pension for Highly Compensated Owners,Income for Life/ Preserv

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Mullins Insurance
(256) 880-3303
121 Lily Flagg Rd Sw Ste A
Huntsville, AL
 
Whittaker Richard W LLC
(334) 393-5146
300 E Lee St
Enterprise, AL
 
Goodson Mark
(334) 347-3333
804 Boll Weevil Cir
Enterprise, AL
 
Brad Williams
2707 Artie St.
Huntsville, AL
Service
Fee Only Portfolio Management,Wealth Engineering,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Portfolio Engineering,High Yield Bank Accounts,401k Rollover From Employer,Income for Life/ Preserve Principal,Wealt

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ALFA Insurance
(334) 887-8502
766 E Glenn Ave
Auburn, AL
 
Southern States Insurance Agency
(256) 880-3319
3315 Memorial Pkwy Sw Ste A
Huntsville, AL
 
Knight Insurance Agency
(256) 350-8139
815 Bradley St Sw
Decatur, AL
 
Herring Agency
(251) 625-1024
1203 US Highway 98 Ste 2d
Daphne, AL
 
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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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