Business Owners Insurance

Insurance coverage for businesses of all sizes.

Business owners insurance to protect your business and assets.

A Business Owners Insurance Policy (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, unique to your industry.

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.

Two coverages in one policy.
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.

Includes property insurance.
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 income are protected. For instance, here are a few of the coverages to consider in your business owners policy:

  • Fire
  • Flooding
  • Theft
  • Accidental Damage
  • Loss of Income
  • Loss/Damage of Property

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Business Owners Insurance

Also includes liability insurance coverage.
The second type is liability insurance. Liability insurance covers damage to people you deal with and their property. However, 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, for instance. 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, income, and assets. 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. Contact us today to get started!

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With two offices in Lemoyne, PA, The Kind Insurance is proud to serve clients throughout Pennsylvania. We are also licensed to serve clients in over seven other states.

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Medical Payments Coverage and Personal Injury Protection

Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.

Solution

Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it’s important to understand what’s required where you live.

Note: Actual policies must be consulted for specific terms and conditions.

Rental Coverage / Loss of Use

Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Note: Actual policies must be consulted for specific terms and conditions.

Bodily Injury Liability Coverage

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Note: Actual policies must be consulted for specific terms and conditions.

Physical Damage Coverage

Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Note: Actual policies must be consulted for specific terms and conditions.

Property Damage Coverage

Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. The amount required, if any, can vary by state.

Solution

The property damage portion of your auto insurance policy protects you if your car damages someone else’s property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Note: Actual policies must be consulted for specific terms and conditions.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

What happens when the driver who hit you doesn’t have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Note: Actual policies must be consulted for specific terms and conditions.

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