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As a small business owner getting the right type of insurance is important to protect your business. Many business owners start with a Business Owners Policy (BOP) for their commercial insurance needs.

What does a BOP cover? Property Liability Insurance & General Liability Insurance

Property Liability Insurance

Property liability insurance covers your business furniture and equipment at up to five different office locations, including accidental damage.

General Liability Insurance

General Liability protects your business from another person or business claims of bodily injury, associated medical costs and damage to their property.

With General Liability insurance you’re typically covered for the following:

Property Damage: You need not worry if you accidentally damage someone else’s property because, insurers will cover claims of damage if you’re held legally liable. Insurers may also cover legal costs if you’re sued without reducing your limits of liability.

Bodily Injury: You’re covered if someone other than yourself, or an employee is injured at your workplace, and if you’re held legally liable. Insurers also may cover legal costs if you’re sued without reducing your limits of liability.

Personal Injury: Insurers protect you against claims of libel or slander incurred through the delivery of your professional services.

Electronic Data Liability: This could be added for consultants and technology service providers, Insurers may cover your liability for loss of someone’s electronic data resulting from the physical damage of property (e.g. an employee accidentally damages a clients server resulting in the loss of the client’s data).

Advertising Injury: Insurers can protect you against the unintentional use of a third party’s advertising idea, copyright or trade slogan if its used as part of your advertising (press advertisement or email).

Damages to Premises Rented: If you rent or use a property with permission of the owner (e.g. office space or a conference facility) and cause a fire, our policy protection such a liability claim.

Medical Expenses: If an accident occurs and a third party is injured, your general liability insurance policy will also cover an associated medical expenses up to a specified amount (e.g. $5000) for each injured person.

Defense Costs: If you’re sued, Insurers can hire an attorney to defend you, if necessary. Insurers can defend a lawsuit even if the claims are groundless, insurers often will pay the defense costs on your behalf without reducing your limits of liability.

Actions of your Full-time employees and Temporary staff: Insurers can provide coverage for the actions of your full-time employees and temporary staff that are performed on behalf of your business.

Worldwide Insurance Coverage: Insurers can cover damages occurring in the United States, its territories and Canada. Insurers can offer some coverage for short periods of travel outside these areas.

Various types of businesses have unique insurance needs and not all businesses need the same types of commercial insurance. Rincon Insurance can help you get the right type of coverage. You can tailor your commercial insurance policy and add optional coverages such as:

Commerical Auto Insurance: helps cover you and your employees on the road if you’re driving for business.

Commerical Flood Insurance: which covers flood damage caused by rain, snow, hurricanes, or construction runoff. This kind of damage is not included in standard property coverage.

Commerical Umbrella Insurance: which helps protect your business from claims that exceed your policy limits by extending your liability coverage.

Cyber Insurance: to help protect your company from cyber threats and attacks.

Workers Comp: Workers compensation insurance to help your employees if they suffer work-related injuries or illnesses. Coverage requirements vary by state, so make sure you know if you need this type of insurance.

Error & Omissions Insurance (E&O): Which helps your business if your customer sues you for financial losses due to a mistake you made in the process of doing business. This coverage is also known as professional liability insurance.

We are independent insurance brokers dedicated to providing the best quality, service, and rates for our customers by comparing multiple companies. By using Rincon Insurance, the policyholder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product and necessary when filing a claim. A local, independent agent, such as Rincon Insurance offers quality insurance with competitive pricing and personalized service.