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From Worker’s Compensation to Business Liability Insurance…and everything in between. Getting the right insurance plans for your business can be a real challenge. Let us help you determine the policies for you and your business.
What is a Business Owner Policy (or BOP)?
A typical business insurance plan assembles basic coverage required by a business owner in one bundle, which includes- business property, general liability, and various other additional business insurance services.

BOPs DO NOT include:
  • Professional liability.
  • Commercial auto insurance.
  • Worker’s compensation.
  • Health and disability insurance.
Basic BOP policies at a minimum include:
  • Fire
  • Theft
  • Lawsuits
  • Loss of income
Who needs a Business Owner’s Policy?
  • If your business has a physical location, whether it’s out of your home or a rented or owned office, store or other work place.
  • If there’s a possibility of you being sued – for example, by a customer who was injured at your work place.
  • If you have assets that could be stolen or damaged – whether they’re digital assets, customer data, equipment, furniture, cash or inventory.
  • What is Workers‘ Compensation?
  • A form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue their employer for the tort of negligence.

Who is required to have workers’ compensation?
Workers’ compensation coverage is required for all employers that have five or more employees. In California, employers are required by law to have workers’ compensation insurance, even if they have only one employee. And, if your employees get hurt or sick because of work, you are required to pay for workers’ compensation benefits.

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