Business Owners Policy
Your business is your life’s work. Our customized Business Owners Policies (BOP) bundle essential property, liability, and income protections into a single, streamlined portfolio built for California enterprises.
Coverage Tailored for Your Industry
Retail & Boutiques
Customized protection for specialty retail, clothing stores, florists, and local shops.
Offices & Professional Services
Tailored liability layouts for accountants, agencies, medical practices, and real estate offices.
Restaurants & Dining
Specialized risk management for cafes, pizzerias, quick-service spots, and fine dining.
Skilled & Personal Services
Built for beauty salons, dry cleaners, print shops, and automotive repair facilities.
Securing your Physical & Legal Assets
Commercial General Liability
Shields your corporate assets from costly third-party claims involving bodily injury, property damage, medical expenses, or personal and advertising injury sustained on your premises.
Building Coverage
If you own the commercial structure where your business operates, this layer secures the physical building against fire, vandalism, and severe weather hazards.
Business Personal Property
Protection for the moveable assets at your place of business. Covers your office furniture, inventory, computers, specialized machinery, and electronics.
Protecting Your Revenue & Team
Business Income Interruption
Preserves your revenue stream during a disaster. Helps replace lost income and covers ongoing operational expenses (like payroll and rent) if a covered loss forces you to temporarily close.
EPLI Coverage
Critical protection against workforce litigation. Shields your business from costly employee-filed lawsuits alleging wrongful termination, discrimination, harassment, or retaliation.
Non-Owned Auto Liability
Critical protection for off-premises business errands. Shields your business from severe liability claims if an employee causes a traffic accident while operating their personal vehicle for company business or operational tasks.