Business Owners Policy

No. Professional liability (E&O) is a separate policy.

No. Both are excluded from a business owners policy and are written separately. Earthquake is purchased as its own policy, typically with a deductible set as a percentage of ...

Not necessarily. It is often efficient, but the right structure depends on your risks. We help you compare the fit, not just the format.

No. Workers’ comp is separate and is required in California once you have employees.

Annually, and at any change that could affect eligibility. New revenue, a second location, a new service line, added employees, a change in ownership, or a move into a ...

Usually yes, and that is one of the real advantages of the form. Most BOPs include business income and extra expense as part of the package rather than as ...

Size, class, and exposure, and the thresholds belong to the carrier rather than to the law. Common limits are square footage, annual revenue, number of locations, and building height. ...

The property values and the class of business do most of the work. Building limit, business personal property limit, square footage, construction type, and the protection class at the ...

Four things sit outside it by design, and one more sits outside by eligibility. Professional liability, workers' compensation, commercial auto, and employee dishonesty are each written separately. Earthquake and ...