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Business Owners & General Liability

A General Liability or GL policy will provide coverage for Bodily Injury or Property Damage, but does not include coverage for Property.

The Business Owner’s Package policy or BOP, as it is commonly referred to, provides broad coverage with affordable premiums. The BOP is designed to meet the insurance needs of small offices and certain types of service and processing businesses. It combines Property and Liability coverage into one package and will include insurance for buildings and their contents. It may also provide coverage for Business Income and Extra Expense that result from an insured peril. The liability section includes coverage for Bodily Injury or Property Damage that a business may be liable for.

It is important to note that a GL or BOP policy does not cover Professional Liability which is liability arising from wrongful practice by professionals.


  • Defense Costs outside the Limits of Insurance
  • Unintentional failure to disclose hazards
  • Per Location General Aggregate – owned or rented premises
  • Personal and Advertising Liability
  • Damage to Premises Rented to You
  • Medical Expenses
  • Employment Practices Liability
  • Additional Insureds – Coverage is automatically extended to persons or organizations whose written contracts or permits with the insured require insurance to be provided