Business Owners Insurance

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Business Owners Insurance

Smart Coverage for Small & Midsized Businesses

Protect Your Business, Assets & Employees


Owning a business means balancing risks every day—but the right Business Owners Policy (BOP) ensures you’re financially protected against unexpected challenges.


  • Covers property damage, business interruptions & liability
  • Affordable protection for small & midsized businesses
  • Customizable plans for different industries

What’s Included in a Business Owners Policy?

Property Insurance

  • Covers buildings, office equipment & inventory
  • Protects against fire, vandalism & storm damage
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Pro Tip:

Even if you rent a commercial space, property insurance covers your business assets inside.

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General Liability Insurance

  • Protects against customer injuries on your premises
  • Covers lawsuits & medical expenses
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Example:

If a customer slips and falls in your store, liability coverage handles medical bills and legal fees.

Business Interruption Coverage

  • Reimburses lost income if your business closes temporarily due to a covered event
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Did you know? 

If a fire forces you to shut down, this coverage helps cover payroll and operating expenses.

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Business Owners Insurance FAQs

  • Who needs a Business Owners Policy (BOP)?

    If you own a small or midsized business, a BOP bundles essential coverage at a lower cost.

  • Does a BOP include cyber liability coverage?

    No, but you can add cyber insurance to protect against data breaches and fraud.

Get the Right Protection for Your Business!

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Tailored Coverage

Plans that fit your needs & budget

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 Local Expertise

Serving Buffalo, Rochester & surrounding areas

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Top-Rated Providers

Access to multiple carriers for the best rates

Call (585) 663-1810 or request a free quote now!