What fits your business best?
Choosing the right commercial insurance plan for your business can be a challenge. We have developed many different options and programs to meet the needs of our commercial insurance clients, no matter the business. Helping you find the right solution for your business requires a personal touch, not a generic one-size-fits-all.
At Elder Agency, we can design a specialized package according to your property, liability, and casualty needs. We look at what makes you special and how best to protect it. We strive to identify any factors that may change your risk and provide options to protect your business.
Business Owners Policy (BOP) vs. Commercial package Policy
BOP Risks
- Coffee Shops
- Flower Shops
- Shoe Stores
- Bakeries
- Barber & Beauty Shops
- Hardware Stores
- Photography Studios
- Drugstores
- Offices – Accounting, Dentist, Insurance, Optometrist, Real Estate, Veterinarian
BOP COVERAGES
- Commercial Building Property
- Business Personal Property/Inventory
- Bodily Injury and property Damage
- Tenants Fire Legal Liability
- Medical Payments
- Personal Injury
- Business Income and Extra Expense
- Outdoor Property
- Debris Removal
- Hired and Non-Owned Auto Liability
- Employment Practices Liability (EPLI)
How to get started with your Business Insurance Comparison
No two businesses are the same, so it’s important to speak with us to make sure you are receiving the policy you need . We can sift through your various options and help pick the one that’s precisely right for you. The last thing you want is some cookie-cutter policy that’s riddled with exclusions and limitations.
To get started, call our office or click the button below to start online. Either way we’ll make the process simple!
Frequently Asked Questions
A BOP does not typically include:
- Commercial auto insurance
- Workers’ compensation insurance
- Professional liability (E&O)
- Cyber liability (usually optional add-on)
- Health or employee benefits coverage
- Flood or earthquake damage (requires separate policies)
Premiums are based on:
- Type of business
- Location
- Building characteristics
- Revenue and payroll
- Claims history
- Coverage limits and deductibles
- Security and fire protection features
Some home-based businesses may qualify for a BOP, especially if they have:
- Inventory
- Equipment
- Customer interaction
- Commercial exposure beyond a standard homeowners policy