Business Owner's Policies

A Business Owner’s Policy (a.k.a. BOP) is a policy designed for the special needs of small businesses. This policy generally covers your building, contents, liability, business continuation, loss of revenue, and other coverages that are critical to the survival of your business in case of a loss due to fire, wind, or other risks.

Is your place of business valued at less than $1 million? Is your annual gross income under $3 million? Are you involved with risks that come under the headings of: multi-habitational, builder’s, office, lessor’s, service occupancy, retail stores, warehouse, wholesale operations, restaurant & food services where alcohol sales are less than 25% of total sales? You may qualify for a BOP from Titan P&C. BOP classes that Titan writes include (but are not limited to):

• Apartments (over 10 units in a building must be submitted)
• Grocery stores & supermarkets
• Most Main-Street-type retail stores & shops
• Most Main-Street-type wholesale stores
• Rental dwellings (1 to 4 units)
• Restaurants (less than 25% liquor sales)
• Warehouses (private or mini self-storage)

If you are interested in learning more, please contact your independent insurance agent or find an agent here.