BOP - Property - General Liability - Professional Liability - Workers' Compensation - Fleet Insurance
A Business Owners Policy (BOP) is a business insurance policy that provides a package of basic coverage for most small to medium sized businesses. A BOP offers coverage that is normally less expensive than if it were purchased separately. BOP policy coverage includes property coverage for your building, liability coverage, contents coverage for inventory, equipment and fixtures and business interruption to replace lost income for up to a year in the event of a covered loss. Many other coverage options are available such as crime, glass breakage, outdoor signage, valuable papers and records and electronic data recreation may be available depending on the particular company.
General Liability Insurance
Professional Liability Insurance
Flood and Excess Flood Insurance
Inland Marine Insurance
Trucking and Fleet Insurance
Business Auto Insurance
Cyber Crime & Liability
Examples of businesses that purchase BOP policies include: retail stores, service related businesses, professional offices, dry cleaners, wholesale suppliers, motel and hotel, deli’s and coffee/donut shops. TWFG Insurance Tony Voiron represents a number of companies that offer Business Owner Policies. We understand It is important to limit your exposure and that the policy and coverage you choose match your business needs and budget. By working with an experienced TWFG agent you can avoid gaps in coverage and determine which company and policy is right for your business.
Personal & Business Umbrella insurance policies provide additional liability protection above the limits of liability that is offered on your homeowners, auto, motorcycle, boat and RV, rental property and Business Owners Policy. In order to be eligible for a personal & business umbrella most companies have minimum liability coverage limit levels that are required. Personal umbrellas coverage typically begins at $1,000,000 and may range to as much as $5,000,000 or $10,000,000. Many insurance companies prefer for you to have both your auto and homeowners policies with them before they will offer umbrella coverage. Personal Umbrella policies have a self-insured retention or (deductible) of $250 or more. Coverage is also available for exposures such as personal injury for libel, slander and defamation of character, defense coverage or vacation rental liability. There are many different considerations to determine the amount of excess liability you want to carry. It is important that the policy and coverage you select matches your individual needs and situation. By working with an experienced agent you can avoid gaps in coverage and determine which company and policy is right for you. TWFG represents a large number of companies that offer personal umbrella policies. Our knowledgeable TWFG agents can evaluate your situation and recommend the right insurance protection program to fit your needs.