Business Owners Insurance

Offering Business Owners Insurance Throughout Arizona.

A Business Owners Policy (BOP) combines business property and business liability insurance into one convenient policy. We’ll work with you to design coverage that protects your business from a variety of risks, unique to you.

---

A business owner’s policy is known as BOP for short. This is appropriate, given that it offers a one-two punch. It’s a combination policy that brings together two types of coverages.

Business Property Insurance 

The first type is property insurance. Property insurance covers risks associated with your business’ premises, equipment, and vehicles. 

This type of policy often covers: 

• Your building or lease space
• The property you own within your building
• The income of your business    

As such, coverage often includes any associated loss of business.

Business Liability Insurance 

The second type is liability insurance. Liability insurance covers damage to people you deal with and their property. 

This type of policy often covers: 

• Property damage 
• Bodily injuries 
• Product liability 
• Libel, slander, and copyright 

But, it’s important to note that liability insurance usually doesn’t cover risks related to professional services. For example, this would mean any damages that result from you giving clients inaccurate advice.

Why Choose a Business Owners Policy (BOP)? 

Getting a business policy (BOP) means covering all these risks in one go, which reduces stress and brings peace of mind. The policy will usually be custom made to cover your specific needs, so pricing can vary significantly. But with that said, it is normally cheaper than buying two separate policies.

Furthermore, your BOP can be customized by including additional endorsements. Common endorsements include: 

• Industry Endorsement: Each industry has its own unique needs in order to successfully conduct business. An industry endorsement allows a business to increase its coverage to address its individual needs.  

• Risk-Specific Endorsement: Some businesses have additional risk-factors to consider in order to successfully do business. A risk-specific endorsement provides an extra layer of protection when needed.  

• Increase Coverage Limits: Most policies allow you to increase the standard coverage limit, offering additional security and protection. 

If you are an operating business, it’s time to explore how you can customize a BOP to effectively work for you! 

Contact an Experienced Insurance Advisor 

AZCAL Insurance Services can help design a customized business owners policy (BOP) that works best for you and your business. As an independent insurance agency, we have been serving Arizona clients for over three decades. 

Our team of advisors has a comprehensive understanding of insurance in Arizona, and we offer our services in English, Spanish, and Russian. If you are looking to buy coverage or file a claim, our experienced team of advisors has the experience and know-how to make the process as simple as possible. We know insurance and are here to ensure you get the best coverage at the best possible cost. Reach out to get started!

Request a Business Owners Insurance Quote

As an independent agency, we offer multiple options at competitive prices.