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At ValueOne, we know how much hard work goes into building and growing a successful small business. While protecting your assets and investments is important, we know you’d rather focus your time on building your company. ValueOne provides a wide range of high value financial services and commercial insurance for small business owners.

With a Business Owner’s Policy from ValueOne, you can get broad coverage at an affordable price.

What is a Business Owner’s Policy?

A Business Owner’s Policy (BOP) is a general insurance policy intended to help small business owners protect their most important assets. A BOP combines property insurance and basic liability insurance into one convenient package, giving you the coverage you need at a highly affordable price.

A BOP provides broad, basic business insurance coverage that protects against property damage, theft, or personal injury, so that your small business can recover if disaster strikes.

Who Needs a Business Owner’s Policy?

At ValueOne, we understand that small business owner needs vary by company and industry. Whether you conduct business in retail, real estate, property management, contracting, information technology, or professional services, our trained commercial insurance team is dedicated in finding the right coverage for you.

A BOP offers broad but strong coverage, making it the perfect solution for many small business owners. If you have less than 100 employees, or if you have investments and other assets in your business that you need to protect, a Business Owner’s Policy can help.

Whether you own or lease your building, a BOP provides the comprehensive coverage at an affordable price. If you have important business equipment, furniture, or inventory on premise, you could be at risk for expensive losses. With a BOP, you can protect your small business from damage, theft, or temporary disruption.

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Business Owner's Policy

At ValueOne, we know how much hard work goes into building and growing a successful small business. While protecting your assets and investments is important, we know you’d rather focus your time on building your company. ValueOne provides a wide range of high value financial services and commercial insurance for small business owners.

With a Business Owner’s Policy from ValueOne, you can get broad coverage at an affordable price.

What is a Business Owner’s Policy?

A Business Owner’s Policy (BOP) is a general insurance policy intended to help small business owners protect their most important assets. A BOP combines property insurance and basic liability insurance into one convenient package, giving you the coverage you need at a highly affordable price.

A BOP provides broad, basic business insurance coverage that protects against property damage, theft, or personal injury, so that your small business can recover if disaster strikes.

Who Needs a Business Owner’s Policy?

At ValueOne, we understand that small business owner needs vary by company and industry. Whether you conduct business in retail, real estate, property management, contracting, information technology, or professional services, our trained commercial insurance team is dedicated in finding the right coverage for you.

A BOP offers broad but strong coverage, making it the perfect solution for many small business owners. If you have less than 100 employees, or if you have investments and other assets in your business that you need to protect, a Business Owner’s Policy can help.

Whether you own or lease your building, a BOP provides the comprehensive coverage at an affordable price. If you have important business equipment, furniture, or inventory on premise, you could be at risk for expensive losses. With a BOP, you can protect your small business from damage, theft, or temporary disruption.

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What is Included in a Business Owner’s Policy?

A BOP gives you a broad array of coverage bundled into one convenient package, meaning you only have to manage a single insurance plan. To make sure you have all the protection you need, we’ve broken down the insurance coverages included in our Business Owner’s Policy below.

Business Property Insurance

Damage to business property can have a detrimental impact on the day-to-day operations of your company. That’s why it is critical for you to protect your company’s physical assets, including the building itself, the structures outside and the contents inside.

ValueOne property insurance provides comprehensive coverage that protects your small business from losses due to fires, explosions, severe windstorms, as well as damage caused by vehicles. Losses from acts of theft or vandalism are covered too, so you can continue running your business with minimal interruption.

Business property Insurance covers all of your important physical assets, including building signage, fences and other outdoor fixtures, onsite equipment and furniture, as well as essential company records.

Accidents may happen, but protecting your assets with a ValueOne Business Owner’s Policy helps minimize their impact and cover your losses.

Business Liability Insurance

Life is full of uncertainty, and it is impossible to predict or control everything that happens in your small business. As a part of a Business Owner’s Policy, you receive basic liability insurance to protect your company from expensive fees and legal claims.

Business liability insurance provides a basic level of protection for small business owners from lawsuits by your employees, customers, and vendors. Whether you need protection for claims related to property damage, bodily injury, or contractual liability, ValueOne offers wide-ranging and affordable protection for your enterprise.

If a customer slips and falls, or if an employee gets hurt on the job, your small business is legally responsible. Basic business liability coverage helps you with all medical expenses, attorney fees and court costs that you may face, regardless of fault.

If your small business offers specialized products and solutions, advice and/or recommendations, or professional services, then liability coverage is especially important. With its broad range of covered claims, liability insurance protects you from personal injury and product liability, as well as advertising misprints or claims of misleading advertising.

Business Income Coverage

Some accidents only cause a minor interruption to your daily business operations, while others can have a much larger detrimental financial effect. By protecting your financial assets, business income coverage minimizes the impact of losses to help you bounce back from an incident as quickly as possible.

When extreme property damage causes your business to temporarily move or close locations, it can be difficult to cover the expenses involved. A BOP will help you get through the rough patches by replacing your net income lost and covering many of the expenses required to both relocate and advertise your new location.

Even if you are forced to temporarily close your doors for a period of time due to a claim, you know your ongoing business expenses do not disappear. A BOP will help you cover mortgage costs, taxes, advertising, and payroll in the interim, so that you and your employees aren’t hurt by forces that are beyond your control.

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Additional Insurance Coverage from ValueOne

At ValueOne, we understand that every business has different needs. What works for a restaurant or retail store may not work for contractors. Additional endorsements can be added to your commercial insurance policies to provide a specialized plan that ensures all of your assets are protected.

Whether you need protection from cyber-attacks, errors and omissions, or professional liability claims, ValueOne will help you find the perfect business insurance policy for you, at the best price possible.

If you are interested in protecting your small business’s most important assets, contact us today and we’ll guide you to the insurance coverage that’s right for you.

Call us at 855-960-5315 or complete the form below to take the next step toward your business goals.
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