Business Owners Policy (BOP) in Tallahassee and Havana, FL

Starting and running a business can be a huge undertaking, and property damage, liability claims, or a shutdown can quickly set you back. A business owners policy (BOP) can help you manage these risks through a single plan.

At McKee Insurance Agency, we can help you find the right coverage in Florida.

What Is a BOP?

Handling different insurance plans can be quite challenging. A BOP can bring coverage together in one package, often including the following:

• Property insurance may help with losses to your building, equipment, inventory and other physical items caused by fire, theft, vandalism or certain natural disasters.

• General liability insurance can help with claims if someone is injured on your premises or their property is damaged because of your business.

• Business interruption insurance may help with lost income and expenses if your business temporarily closes due to a covered event.

What Isn’t Included?

While a BOP offers bundled coverage, some businesses may require extra policies, such as:

• Workers’ compensation

• Commercial auto

• Inland marine

• EPLI

• Product liability

• Cyber liability

Ask your broker about which coverages may be available to add onto your BOP and which need separate policies. For example, workers’ compensation is usually only offered separately.

What Type of Businesses Should Get This Plan?

A BOP can work well for small and medium-sized businesses, particularly in:

• Restaurants and hospitality

• Retail shops

• Small contractors

Consider your risks before deciding on a BOP. Speaking with a broker can help you find coverage that works for your business needs.

Secure a Policy Today

Get insurance that can keep your business covered and on track. Contact McKee Insurance Agency to learn more.