Insurance coverage for businesses of all sizes.

业务 owners insurance written by Universal Group, Ltd.

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A 业主政策(BOP) combines business property and business liability insurance into one convenient policy. We’ll work with you to design coverage that protects your business from a variety of risks, 你所在行业的独特性.

Why does your business need business owners insurance?

Because your business faces the unexpected on a daily basis, there are always risks involved. Whether it’s the risk of damage or loss to your property or customers, the only way to protect your business is with the right policy. With the convenience of a BOP, you can minimize the risks and focus on the future of your business.


A business owners insurance policy is known as BOP for short. This is appropriate, since it offers a one-two punch. It’s a combination policy bringing together two types of coverages.


The first type is property insurance. Property insurance covers risks associated with your business’ premises, equipment and vehicles. In addition, it often includes any associated loss of business. This is an essential coverage because it ensures your business, assets, and 收入 are protected. For instance, here are a few of the coverages to consider in your business owners policy:

  • 洪水
  • 盗窃
  • 意外损坏
  • 收入损失
  • 财产损失/损坏

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As a business owner, you've worked hard to build a solid business. But what happens when the unexpected happens? 你投保了吗??


A business owners policy is uniquely designed to protect your most important assets, 包括你的业务, 它的延续, 你的员工, 还有你的生活方式. Discuss the details of this coverage with your agent and ensure that you're protected.

Errors and Omissions Liability (E&O)

If you perform services for others, you are at risk of not doing the work correctly (错误s) or not doing it at all (omissions). Lawsuits can arise claiming the 错误 or omission harmed your client and caused them a financial loss.


Errors and omissions liability insurance protects any business that gives advice, 提出有根据的建议, 设计解决方案, or represents the needs of others. Ensure you have this important coverage if you perform services for clients.

Directors and Officers Liability Insurance (D&O)

Directors and 军官 (such as board members) are exposed to increased risk factors and are held accountable for acts that claim negligence in the performance of their duties. Any resulting lawsuits are typically expensive to defend, resulting in potentially large settlements.


Obtain comprehensive coverage to protect senior individuals of your company. Directors and 军官 liability insurance provides coverage for the legal costs to defend a covered lawsuit and provides the money necessary for any settlement beyond the defense costs.


What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?


A commercial umbrella policy provides high limits of insurance, 一般在2美元之间,000,000元及10元,000,000. Coverage is extended over your general liability insurance, 工人的补偿, 商务汽车, as well as directors and 军官 liability coverage. It provides a great safety net and helps ensure your business is well protected.


业务es are susceptible to many risks, such as claims due to bodily injury, 财产损失, 人身伤害, 和更多的.


General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.


What will you do if one of your trusted employees is found guilty of doing something dishonest?


Crime and fidelity coverage is designed to provide coverage for employee dishonesty, 伪造和保管, 盗窃, 破坏和消失, 和更多的. Discuss the details of this coverage with your agent to learn more.


Could your business cause damage to the environment? 如果有,你有保险吗?


Environmental insurance provides protection if an environmental catastrophe occurs.


With technology performing many tasks in today's world, a breakdown can cause a significant financial burden, including the cost to repair the equipment, the interruption of your business, as well as any lost 收入 and extra expenses.


Comprehensive coverage provides protection against equipment mechanical breakdown. Discuss the details of what's covered with your insurance agent.


If one of 你的员工 receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.


Workers' compensation protects 你的员工 should a job-related injury or sickness occur during the course of employment. This coverage is required by law, so be sure that you understand your obligations.


An auto accident can cause bodily injury or 财产损失 to others for which you are responsible, potentially putting your business in financial jeopardy.


业务 auto insurance provides coverage for vehicles owned or leased by a commercial enterprise and provides coverage for bodily injury, 财产损失, 还有其他保险, and includes both comprehensive and collision coverage.

Employment Practices Liability Insurance (EPLI)

On average, it's estimated that three out of five businesses will be sued by their employees. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.


Obtain employment practices liability insurance to protect your business and its directors, 军官, and employees from alleged employment-related acts such as wrongful termination, 未能推广, 歧视, 还有性骚扰.


The Internet has spun a whole new web of liability exposures. 电子商务, 社交网络, 云存储, and other technologies bring great benefits to large and small businesses alike. But with these benefits also come challenges, 包括隐私保护, data, and financial information of your customers.


Cyber liability coverage covers unauthorized access to electronic data or software within your network. It also provides coverage for spreading a virus, 电脑被盗, 敲诈勒索, 或者任何无意的行为, 错误, 错误, 或者是雇员的疏忽. This coverage is quickly becoming more 和更多的 important as you embrace technology to help run your businesses.


What would you do if a fire impacted the operation of your business? Or what if a pipe leak caused a system outage or extended downtime? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.


业务 收入 insurance compensates you for lost 收入 if the business cannot operate as normal due to damage that is covered under your commercial property insurance policy, 如火灾或水害. 业务 interruption insurance covers the revenue you would have earned, based on your financial records, 事件没有发生吗. The policy also covers operating expenses, 像电, that continue even though business activities have come to a temporary halt.


Your business property is a significant financial investment. 如果它出了什么事怎么办?


Commercial property insurance can help protect the property your business owns or leases, 包括设备, 库存, 家具, 及设施. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Also includes liability insurance coverage.

The second type is liability insurance. Liability insurance covers damage to people you deal with and their property. 然而, it’s important to note that liability insurance usually doesn’t cover risks related to professional services–meaning damages that result from you giving clients inaccurate advice, 例如. The liability coverage included in your business owners policy is a necessity, especially if:

  • You meet your clients at your business or theirs.
  • You have physical access to your clients’ equipment.
  • There is a risk of damage to people or business.
Customized coverage for your business.

Getting a business owners policy (BOP) means covering all these risks in one go, which significantly reduces stress and brings you peace of mind. Polices are typically custom made to cover your specific needs, and pricing varies depending on your business. But, it’s normally cheaper than buying separate policies for each element.

Understanding your unique business needs.

Designing a business owners policy that works best for you and your business is what we do best. We are focused on understanding your business so we can develop the right policy to protect your business, 收入, 和资产. Most importantly, we want your business to be successful. Finding the right BOP coverage to meet your needs is the best place to start.

So, no matter what kind of business your run, consider the benefits of business owners insurance. From startups to established businesses, we will develop a custom plan for you. 今天就99hg皇冠登录开始吧!

企业主保险 - 业务 Owner Using Technology to Run Her 业务


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