Business Owner’s Policy (BOP)
Complete Protection for Small & Mid-Sized Businesses
At EZNY Brokerage ., we customize BOP coverage for contractors, retail shops, offices, restaurants, startups, home-based businesses, and professionals across all industries.
What a BOP Includes
General Liability Insurance
Protects your business from lawsuits and claims related to:
- Customer injuries on your premises
- Damage to someone else’s property
- Accidents caused by your business operations
- Personal/advertising injury (libel, slander, infringement claims)
- Legal defense fees and settlements
This is essential for any business with customers, foot traffic, or employees.
Commercial Property Insurance
Protects the physical assets of your business, including:
- Building or office space (owned or leased)
- Furniture, fixtures & office equipment
- Inventory and supplies
- Computers and electronics
- Tools and machinery
- Signs, storefronts, and improvements
Covers common losses such as:
- Fire, smoke, explosion
- Theft or vandalism
- Water damage (limited)
- Weather damage (wind, hail, lightning)
This ensures your business can quickly recover and rebuild.
Optional Add-On Coverages for BOP
BOPs can be enhanced with tailored protections depending on your industry:
- Cyber Liability (data breaches, cyberattacks)
- Equipment Breakdown (HVAC, boilers, machinery)
- Professional Liability (E&O)
- Hired & Non-Owned Auto Liability
- Contractor Tools & Equipment
- Employee Dishonesty / Theft
- Utility or Service Interruption
- Food Spoilage (restaurants/caterers)
These endorsements help customize your BOP to fit your business operations.
Who Needs a Business Owner’s Policy?
A BOP is ideal for:
- Retail Stores & Boutiques
- Offices & Professional Firms
- Contractors & Trades (HVAC, Plumbing, Electric)
- Restaurants & Cafés
- Auto Service Shops
- Real Estate & Sales Professionals
- Health & Wellness Centers
- Home-Based Businesses
- Startups & Growing Small Companies
If you have a physical location, tools, equipment, employees, or customer interactions — you need a BOP.
Why Choose EZNY Brokerage for Your BOP?
- Access to top A-Rated Commercial Carriers
- Customized policies for your business size and budget
- Fast, simple quoting and policy binding
- Affordable pricing with bundled savings
- Guidance on proper coverage limits
- Personalized support for claims and compliance
We help protect what you’ve built so you can focus on growing your business.