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Suburban Office Space

Many small business owners can benefit from a business owner's policy, or BOP. This policy provides a range of benefits, including protection for your assets. It's important to look at the details of your plan to ensure they fit your company properly.

You can customize your policy to meet just about any goal. When it comes to property protection, BOPs tend to offer ample protection. Take a closer look.

What Does A BOP Cover?

You can customize your business owner's policy to meet any goals you have. Your policy should always fit the specifics of your assets. Here is a closer look at the assets it may cover.


What type of buildings do you use as a component of your business? These may include large office spaces, additions, or expansions that you are building. You may have a wide range of outbuildings or storage areas as well. It includes all the buildings you own.

Outdoor Fixtures

Do you have signage? Perhaps you have multiple outdoor fixtures, such as lights or other structures. Your BOP can include these features, too. For extra safety, just be sure the policy lists them specifically.

Third-Party Owned Items

Your BOP often covers items that a third party owns, but that you are taking care of for the time being. For example, if you are a mechanic, the policy protects the vehicles you are repairing while they are on your property. This assumes only temporary protections. It includes items under your care as well as your control or custody. In some cases, this falls under your company's liability coverage.


Do you have a significant amount of inventory on your property? If this inventory is housed within a covered building, the BOP should cover it. If you store inventory offsite, you might need to customize your policy to reflect this. Don't assume it applies.

Equipment and Other Assets

Most assets located on your property, including your company's equipment, have coverage. This includes such items as your machinery, refrigeration, warehousing system and furniture. Most often, all property covered under the policy must be on the property or within 100 feet of it. It's important to meet this requirement to keep your valuables protected.

Also, take a closer look at the types of perils a business owner's policy covers. Generally, your policy covers such unavoidable risks such as fire, theft, and vandalism. It also often covers liabilities. It can provide financial protection for just about all assets used in your business. Work with your Select Insurance, LLC agent to customize this policy to meet your goals.

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Posted 3:00 PM

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