HH Insurance Business Owners policy is designed for small to medium-sized businesses like yours and focuses on the needs of retail, mercantile, office, habitational, restaurants, manufacturing and other common occupancies, including business owners who lease out their premises to similar businesses.
The Business Owners Policy combines property coverage, liability and additional coverages that most businesses require in one policy with the exception of workers compensation, auto, and flood. Optional coverages also can be added to meet the specific needs of your business. BOP is a simplified way of providing you with the basic coverage at a lower cost than with buying separate policies.
Building coverage pays for damages to your building and other structures on the premises, as well as business personal property you own and use in your business. Some examples of business personal property can include stock, inventory, furniture, and office equipment.
Business Interruption coverage provides protection for a temporary shutdown of your business due to a covered cause of loss. It provides coverage for loss of income or extra expenses you incur to resume operations.
Liability coverage is provided for your operations and all premises you own, operate or lease. This protection includes:
- Bodily Injury, Property Damage, and Medical Expenses
- Products-Completed Operations
- Personal Injury and Advertising Injury
- Damage to Premises Rented to You
- Accounts Receivable
- Arson Reward
- Automatic Seasonal Increase
- Depositors Forgery
- Employee Dishonesty
- Money & Securities
- Newly Acquired or Constructed Property
- Outdoor Property
- Personal Property Off-Premises
- Attached Signs
- Valuable Papers & Records