Call Us (256) 734-8711 ☰ ˟
Deese Insurance Logo
(256) 734-8711
  • Get a Quote
  • Personal
    • Auto Insurance
    • General Liability Insurance
    • Homeowners Insurance Insurance
    • Mobile Home Insurance Insurance
    • RV InsuranceImage of right arrow
      • RV Insurance Quote
    • Watercraft & Boat Insurance
  • Business
    • Auto Repair & Garage Quote
    • Business Owners (BOP) Quote Form
    • Business Owners Policy
    • Commercial Auto Insurance Quote
    • Contractors Insurance Quote
    • Contractors Commercial Insurance
    • General Liability Quote
    • Workers Compensation Quote
  • Blog
  • About Us
    • About Us
    • Location & Hours
    • Refer A Friend
  • Contact
    • Contact Us
    • Find Us on Google Maps
    • Follow Us on LinkedIn
    • Follow Us on Facebook
    • Follow Us on Twitter
Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Home

Deese Insurance specialize in finding home insurance that fits your needs

Get a Quote
Icon

Small Business

Learn more about our different coverage options for small businesses

Get a Quote
Icon

Commercial Auto

Protect your business cars with commercial auto insurance

Get a Quote
Icon

General Liability

Protect you and your business from liability claims

Get a Quote
Icon

Contractors

Learn more about how to protect yourself as a contractor with coverage.

Get a Quote
Home > Business Owners Policy Insurance | Cullman, AL

Business Owners Policy in Cullman, AL

 

A business owners policy (BOP) provides three core insurance policies at a discount. Generally, a BOP includes commercial property insurance, business interruption insurance and general liability insurance policies.

Not every business can purchase a BOP; contact Jean Deese Agency in Cullman, Alabama, to find out whether this type of insurance may be a good fit for your company.


What Is a Business Owners Policy?

A BOP helps provide coverage for risks common to many small and medium-sized businesses, such as theft, liability claims, fire and business interruption losses. But not every business can purchase a BOP. Your agent can help you understand whether your company is eligible.


What Is Included in a Business Owners Policy?

BOP policies typically include the following:

·        Property insurance helps pay to replace or repair a company’s property after a covered incident.

·        General liability insurance helps pay for a company’s legal liability due to property damage or injury.

·        Business interruption insurance helps pay regular bills if a company must shut down to allow for repairs after a covered event.

Your agent may recommend that you tailor your company’s insurance coverage to help mitigate additional risks faced by your company to include the following:

·        Umbrella insurance provides coverage for claims that exceed the limits of your company’s liability policies.

·        Workers compensation insurance is required in Alabama but is not automatically included with a BOP. This coverage helps pay medical bills and lost wages if your employee is injured or becomes ill in a work-related accident.

Depending on the size of your business size and industry, our agents may also recommend the following:

·        Business vehicle insurance

·        Cyber liability and cyber risk insurance

·        Employee practices liability

·        Flood insurance

·        Equipment breakdown insurance

·        Employment practices liability insurance


Business Owners Policy Requirements

BOPs typically help meet the needs of companies with fewer than 100 employees and less than $5 million in yearly revenue. Insurers set specific criteria about which businesses are eligible to purchase a BOP.

This prepackaged insurance isn’t a perfect fit for every company, but your agent can help you determine whether it may meet your organization’s needs.


Get a Quote for Business Insurance

Contact the Jean Deese Agency today to learn more about whether a BOP could be a good fit for your company.

Contact Us Today!
(256) 734-8711

facebook twitter linkedin google yelp youtube

Follow Us on Social Media!

Resources

  • Products
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

1211 2nd Avenue NW Highway 31-Creel Plaza
Cullman, AL 35055

P: 256-734-8711 | E:info@deeseinsuranceagency.com
© Copyright. All rights reserved. | Powered by Insurance Website Builder