If you’re a small business owner, it pays to know all your available insurance coverages. This might sound like simple advice, but many small business owners don’t realize the various options available in regard to insuring all their assets. If you operate a small- to medium-sized, low-risk business in Abernathy, Plainview, Lubbock, Levelland, Brownfield, Hereford or counties including Lubbock or Hale County, Texas, among others, you may be eligible for commercial liability insurance coverage through an affordable property and general liability package policy called a Business Owner’s Policy, or BOP from Clark Riley Insurance.
BOP is insurance for small businesses, packaged in a single commercial insurance policy that combines property insurance and commercial general liability insurance. For many small but expanding companies, small business package insurance is an affordable way to secure commercial liability insurance coverage.
Offered through Clark Riley Insurance’s BOP includes:
Property: Covers the property you own, lease or rent, from the sign on your storefront to your computer equipment and inventory. Whether a fire destroys your shop or your equipment breaks down due to a power surge, this insurance can help replace your property and cover payroll and lost income if your business is unable to operate.
General Liability: Covers costs related to litigation and court judgments if a customer or other third-party files suit against you or your employees. If a client’s car is damaged in your parking lot or a visitor slips and falls in your stairway, this coverage can help protect your business’s finances and reputation. You can also add data theft and cyber coverage to help your business recover if systems and/or customer information are exposed.
In fact, a small business package policy can help many small to medium-sized businesses save significant cash over other types of business insurance policies. And if you own a small business, you understand that saving money anywhere possible—without cutting corners or sacrificing quality or security—is essential for sustaining success and growth.
At Clark Riley Insurance of Abernathy, Texas, we understand that, as a small business owner, you need complete business protection—not just “one size fits all” coverage. We can find policies to cover medical expenses, attorney fees and damages in any potential legal proceeding against your company wherein it was judged legally responsible.
As a business owner, it’s not much fun to consider such possibilities, but it pays to be prepared for all contingencies. At Clark Riley Insurance, we’ll help you find coverages for every contingency possible, including some that may not have even crossed your mind, regardless of your planning.