For Business Owners, we have you covered.

A Business Owners Policy (BOP) is a package policy for the small to medium size business. A BOP includes a combination of property, liability, and business interruption coverage. In addition to this coverage, it automatically includes an array of built-in provisions to protect items, such as glass, accounts receivables, etc.

Fundamentally, a BOP includes:

If you are interested in obtaining pricing information on any of the Business Owners Policies explained here, call us at 1-800-311- 1964. We have several programs designed specifically for pool and spa, musical instrument, fitness equipment, lawn and garden, Arctic Cat, power equipment, and manufactured home dealers.

Property Coverage
Property provides coverage for losses to your building and business property. You can choose the Standard Form (perils) which covers losses from perils listed in the policy; or for a slightly higher premium—the Special Form (all risk) provides coverage for losses from all causes unless the policy specifically excludes them.

Property coverage includes your building and premises, permanently installed machinery and equipment (heating and air conditioning equipment, etc.), and business personal property (furniture, business stock, and property stored off premises).

In addition, property coverage provides protection against losses from crime (theft, forgery, counterfeiting, etc.) and for income lost when your business can’t operate at full strength (business interruption).

Liability Coverage
Liability provides coverage for the legal liability of your business for monetary losses to third parties from a variety of causes:

Optional Coverages
You can increase the protection provided by your BOP by adding such coverages as:

TBS Insurance Agency Services, Inc. is a subsidiary of Textron Financial Corporation