Owning your own business can be the best of times. Launching and sustaining a successful company brings a great deal of personal satisfaction. Yet every business will have unforeseen difficulties such as natural disasters, crime, or work stoppages. Be prepared for the worst of times with a comprehensive Carmel business owner policy that protects your company from the vicissitudes of life.

What is a Business Owners Policy?

A Business Owners Policy, or BOP, contains the essential coverage required for your business and is tailored for your specific industry. It might include the following:

• Property insurance for buildings and their contents and personal property
• Business interruption insurance to cover payroll and other expenses in the event of a work stoppage
• Equipment insurance for the breakdown of machinery crucial to your industry
• Liability insurance

What is a Commercial Package Policy?

A commercial package policy allows you to pick and choose which coverages you want and bundle them together. For example, in addition to the coverage listed above, your business might need:

• Business auto insurance
• Inland marine insurance
• Coverage for outdoor property, debris removal, and sewage and drain backups

Don’t fear the future. Purchase a Carmel business owner policy and know that in good times or bad times, you are ready.