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Business owners Insurance by Innovative Insurance Services, LLC

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Business Owners Insurance

Business owners Insurance provided by Innovative Insurance Services, LLC

Most businesses will need a business owner’s policy (BOP). A BOP combines business property, business liability and business income insurance in one policy.

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General liability Coverage

Risk Factors

There is a possibility that a visitor gets injured or their property gets damaged at your business premises.

Every business, even if home-based, needs to have liability insurance.  The policy provides both defense and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party.

Property Damage

Risk Factors

Properties covered by a business policy usually include some building coverage (owned or rented, additions or additions, outdoor fixtures).  You can also purchase coverage for your business personal property in case of fire or theft.


Properties covered by a business policy usually include buildings (owned or rented, additions or additions in progress and outdoor fixtures). The property insurance portion of a It is usually available as named-peril coverage, which provides coverage only for damage caused by events specifically listed in the policy (typically fire, explosion, wind damage, vandalism, smoke damage, etc.).

Cyber Liability

Risk Factors

Cyber-attack on your computers can be harmful and you would become liable for the losses & expenses incurred.


Get coverage for computer attacks and damage to electronic data and computer systems. Also offset the effects of your database being hacked or getting a virus.

Do I need Business Owners insurance?

Businesses need business insurance because it helps cover the costs associated with property damage and liability claims. Without business insurance, business owners may have to pay out-of-pocket for costly damages and legal claims against their company. Depending on the incident, this could be a financially devastating scenario for business owners. In some states, businesses are required to have specific types of business insurance.


Business Owners insurance policy will keep you protected if your company has

  • One or more commercial buildings
  • Several Employees
  • Databases
  • Commercial vehicles
  • Commercial drivers
  • Commercial equipment
  • Inventory
  • Fixtures

Coverages Of Business owners Insurance

Any chance of a lawsuit

If a customer slips and falls at your store, this can help pay their medical expenses and your legal costs.

A physical location

Your BOP policy can help cover businesses run out of your home, a rented or owned office, store or garage.

Assets that could get stolen or damaged

Digital property, equipment, furniture, cash and inventory are all difficult to replace without the right insurance.

Private customer data

If someone steals or loses personally identifiable information, this can help pay expenses like notifying impacted clients and public relations.

Already have Business owners Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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