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Insuring Your Company with the Right Business Insurance Coverage

You work hard to keep your business. We will work just has hard to protect your business against the unexpected. BWO Insurance Group, LLC. offers a wide variety of coverage and will able to custom tailor a policy to suit your needs.

Business Insurance

A Business Owners Policy, also know as a BOP, are written for specific types of small to medium sized businesses, such as Beauty/Barber Shop, Office, Apartment Owner, Condominium Association, Retail/Wholesale Stores, Contractor’s, Daycare Centers and Restaurant Owner, to name a few.

BOP’s include a multitude of coverages which are/can be specific to the type of business being insured.

Property Coverages

Standard Property coverage form typically provides either replacement cost or actual cash value on the buildings and replacement cost coverage on the business personal property.

The Special Property coverage form provides the same coverage for the building, but the business personal property can include money and securities.

Additional coverages provided under the property portion of a BOP can include, but are not limited to:

Debris Removal
Fire Department Service Charge
Business Income
Equipment Breakdown
Extra Expense
Newly Acquired Premises
Personal Property Off Premises
Outdoor Property
Collapse – included on the Special Property Coverage Form
Water Damage – included on the Special Property Coverage Form
Seasonal Increase for Business Personal Property (Peak Season)
Spoilage

Liability Coverage

Provides Bodily Injury, Property Damage, Medical Expenses, Personal Injury, Advertising Injury and Limited Contractual Liability. (limits vary per company)

Additional coverages may be provided under the Business Owners Policy, such as some of the following:

Premises-Operations, Products & Completed Operations, Contractual Liability, Personal and Advertising Liability, Premises-Medical Payments, Damage to Premises Rented to You, Host Liquor, Incidental Medical Malpractice, Broad Form Property Damage, Off Premises Mobile Equipment, Voluntary Property Damage, Explosion-Collapse and Underground Liability, Per Project Aggregate Limit, Blanket Contractual Liability, Employees as Additional Insureds, World Wide Products Coverage, Blanket Contractual, Defense Costs, Fire Legal/Tenant Fire Liability.

However, coverage is determined by the writing company.

Additional Coverage

Additional coverages can be added to the BOP, usually by endorsement and at no additional charge. The following is a list of coverages which could to be added to your BOP; and again coverage is determined by the writing Company:

Accounts Receivable
Computer, EDP equipment, data, media and phones
Valuable Papers and Records
Outdoor Signs (Attached)
Personal Property (Off Premises)
Personal Effects
Non-Owned Personal Property
Business Personal Property in Transit
Newly Acquired or Constructed Property
Incidental Malpractice Coverage
Water Damage Legal Liability
Arson Reward
Fire Extinguisher Recharge Coverage
Automatic Coverage – Newly Acquired Organizations
Hired and Non-Owned Auto Liability
Money and Securities
Non-owned Water craft

Optional Coverages Available

Deductible Options
Increased Limits: Liability and/or Fire Legal Liability
Automatic Increase Building Insurance
Builders Risk
Burglary & Robbery
Condominium Directors and Officers Liability
Contractors Errors & Omissions
Employee Dishonesty
Employment Benefits Liability
Exterior Glass
Outdoor Signs
Additional Insureds
Building Ordinance Coverage
Computer Coverage
Earthquake
Liquor Liability
Professional Liability
Property Damage-Care, Custody and Control
Refrigerated Products/Food Spoilage
Valuable Papers and RecordsVoluntary Property Damage
Water Backup of Sewers or Drains
Damage to Buildings and Property caused by Motor Vehicles

Other Coverages for your Business

Worker’s Compensation
Builders Risk
Commercial Automobile
Commercial Umbrella
Boiler & Machinery
Bonds
Pensions
Special Events

Tax Deferred Plans

Business Life Insurance Plans
Group Life and Health Plans

BWO represents many Insurance Companies, which means our Agents can provide your business with the most comprehensive insurance coverage, at a competitive price. They’ll take the time to gather essential information about your business operations in order to obtain the appropriate coverage for you and your business.