Business Owners Policy (BOP)
W.E. Davis Insurance Can Help Keep You Open
For Business When Losses Threaten.
You've worked hard to build your business,
and you should protect it with a good commercial
insurance policy. The W.E. Davis Business owners
Program combines the property and liability
coverage you need with a competitive price you
can afford.
Call or email us for an evaluation or just
to have some questions answered. The Business
Owners Policy is designed to cover offices,
service, retail and wholesale operations.
Unlike the Commercial Package Policy, a BOP is
more like a homeowner policy for small business.
It includes lots of extras automatically and can
be written at a very affordable price. The
downside is that there are not as many
endorsements available that can tailor the
coverage in situations where your business
warrants it.
This Policy Works As Hard
As You Do
The W.E. Davis Business owners Program covers
your business in a variety of ways. Here are
some of the features:
- "Special Cause of Loss Coverage" on your
building and contents. That means the policy
insures risks of direct physical loss to
covered property ... except for causes of
loss listed in the exclusions.
- Business Income and Extra Expense
Protection for your actual loss when your
business is interrupted due to a covered
claim.
- Theft of Money Coverage up to $10,000 on
premises and $2,500 off premises.
- Employee Dishonesty Protection up to
$10,000.
- Accounts Receivable and Valuable Papers
Coverage up to $25,000.
- Loss of your Computer System up to a
total of $10,000.
- Peak Season Coverage AUTOMATICALLY
increases your contents coverage up to an
additional 25% during peak sales periods.
- Business Liability Coverage of $500,000
or $1,000,000 per occurrence.
Professional Liability
Professional Liability Coverage is available
as an enhancement to the Business owners Policy
for the following classes of business: Animal
Groomers; Opticians; Barbers/ Beauticians;
Optometrists; Druggists; Pedorthists; Funeral
Directors; Printers; Hearing Aid Fitters;
Veterinarians
Additional Coverage
Umbrella Liability Coverage can be easily
added to your Business owners Policy. An
umbrella covers unforeseen catastrophic losses.
In today's legal environment, having an umbrella
policy makes good business sense.
Boiler and Machinery
Coverage
Many businesses depend on equipment. Boiler
coverage protects you against situations like
explosion and accidental mechanical breakdown of
pressure vessels, boilers and air conditioning
units.
And Consider These Options
Your coverage can also be extended to
include: Water backup of sewers or drains (flood
protection is available for offices); Employee
Benefit Liability; Earthquake protection for
your building and contents.
Your Insurance Rates Won't Go Up For Three
or Even Five Full Years**
The W.E. Davis Agency offers Business owners
policies through many fine insurance companies
like Cincinnati Insurance Company. Cincinnati
prefers to do what many companies refuse to do .
. . offer three-year, even five-year, rate
guarantees. This rate stability allows you to
budget your insurance expenses.
This is not your policy. For a
complete statement of your coverages and
exclusions, please see your policy contract.
Contact us
for a review and proposal. Experience our
Difference!
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