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BOP For Small Businesses

A small business needs many resources to scale and sustain its operations. Any unexpected expenses and bills can affect its daily production or services. If you are a small business, you must consider getting a Business Owner’s Policy to secure your future business goals.

Business Owner’s Policy can protect your small business from major risks in operations and properties. This means it must cover your two main expenses; legal actions and property maintenance.

This includes legal actions from a third party against your business. Another thing is repair costs for your commercial property. Since both General Liability Insurance and Commercial Property Insurance are combined, this is recommended for small businesses with physical properties to carry this coverage.

Why Are These Two Insurance Important?

Commercial Property Insurance and General Liability can help you save your small business from unexpected expenses from lawsuits and disaster or maintenance repairs. Both insurances will be your cushion in maintaining production, services, and overhead costs even if an incident happens. These are recommended to small businesses that own or rent commercial space and work closely with clients.

Other Liability Coverages

The basic policy can cover you from common liability risk, but sometimes the nature of your business and your environment require more protection. Listed below are some policies bundled to broaden your limit to coverage.

  1. Product Liability Insurance This policy can cover retailers and manufacturers if a product causes injury and damage to property.

  2. Liquor Liability Insurance This insurance is mostly required for alcohol-related businesses. The risk of damages from serving, selling, or producing liquor is usually covered.

  3. Cyber Liability Insurance This can handle customers’ sensitive information and protect you against data breaches and cyberattacks.

  4. HNOA or Hired and Non-Owned Auto Insurance This can cover non-owned vehicles that your business may use.


Building a business from nothing is not an easy task. Growing it and scaling will be an uphill battle. There might be struggles along the way, like disasters and legal actions against your business, so you must be prepared. Protect all your investments while you scale.

At Second Western Insurance Services, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We will go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (818) 952-5203 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!


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