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Business Owners Policy

Not every business faces enormously complex loss exposures. In fact, many businesses within an industry confront similar hazards and share similar needs for protection. At GMG Insurance, we provide business owners policies (BOP) for different industry sectors that address the shared needs of companies in those segments.

A business owners policy provides solid commercial property and liability insurance in one bundled contract. It can save money and make shopping for, paying for, and keeping up with insurance simpler. Plus, a business owners policy is written based on your sector, so law firms, veterinarians, life sciences companies, and medical providers don’t get the exact same policy. Each BOP is tailored to the typical needs of the industry.

It usually covers buildings, contents, and personal property of others while on your insured property. It also normally provides some business income or business interruption coverage. Hazards you’re protected against include storms, theft, vandalism, and fire, but you might be able to add other perils as well.

Tweaking and Tailoring Policies

The beauty of a business owners policy is its basic, solid coverage. But that doesn’t mean the policy is static. A BOP can be enhanced depending on the insurance company’s options, which may include coverage for glass breakage, outdoor signage, valuable papers, money and securities, employee crime, business auto, equipment breakdown, and others.

For liability protection that goes beyond your general liability coverage, you can add professional liability, employment practices liability, non-owned auto insurance, and directors and officers liability insurance separately from your business owners policy if needed.

You may also want to consider workers compensation, flood, earthquake and commercial umbrella insurance and take a look at our excellent employee benefits programs.

Bundling basic coverages can save money and simplify managing your insurance.

Turn to GMG Insurance for personalized attention on managing your assets and securing products that accommodate your lifestyle, now and as it changes over time. Contact us at (215) 497-9240; (800) 540-7900; or email at