Business Owners Insurance (BOP) in Delaware & Maryland

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Streamlined Protection for Small Business Owners

One Policy That Covers the Essentials

Running a small business takes enough of your time—your insurance shouldn’t add to the workload. A Business Owners Policy (BOP) combines the two coverages most businesses need—general liability and commercial property—into one convenient package. It’s a cost-effective solution for retail shops, service providers, offices, and more. Whether you’re operating in downtown Dover or the outskirts of Easton, we’ll help you tailor your BOP to match your business’s real-world risks, so you’re covered without being over-insured.

What’s Included in a BOP?

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General Liability Insurance

Protects your business from third-party claims involving bodily injury, property damage, or personal injury.

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Commercial Property Insurance

Covers the physical location of your business and its contents—including equipment, inventory, furniture, and more.

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Business Income Coverage

Also called business interruption insurance, this helps cover lost income and operating expenses if your business is temporarily shut down due to a covered event.

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Equipment Add-Ons

Optional coverage can be added for equipment, outdoor signage, cyber liability, or employee theft depending on your needs.

Let’s talk through it.

If your business needs both liability and property protection, a BOP might be your most efficient—and affordable—option.

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Smart, Local Coverage—All in One Policy

A BOP isn’t just about saving money—it’s about simplifying your coverage while making sure nothing important gets left out. We work with business owners across Delaware and Maryland to build policies that protect what they’ve worked hard to grow.

Benefits of having insurance with us:

  • Custom BOP packages tailored to your industry
  • Local agents who understand your business risks
  • Support for lease, franchise, or vendor coverage requirements
  • Guidance on additional coverage options when needed
  • Fast certificates and easy renewals
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Simple Answers About Bundled Coverage

 Business Owners Policy FAQs

  • Is a BOP right for every small business?

    Not always. BOPs work best for businesses with physical locations, owned equipment, or inventory. We’ll let you know if another setup makes more sense.

  • What’s the benefit of combining liability and property into one policy?

    You get streamlined billing, simplified coverage, and usually a better premium than buying each separately.

  • Can I add coverage to my BOP later on?

    Yes. You can often add endorsements like data breach coverage, employee dishonesty, or extra liability as your business grows.

  • How much does a Business Owners Policy cost?

    It varies based on your location, industry, property value, and revenue. We’ll shop multiple carriers to find the right fit for your budget.