Property and Casualty Insurance - The Guide For Business Owners Story

Understanding the different types of property and casualty insurance can limit the number of many causes of catastrophic financial loss. 

Businessowners Insurance

Some small businesses buy a package policy, called a business owners policy (BOP), to cover their vehicle, liability, and property exposures.

It protects against anything for which the business owner becomes legally liable related to vehicles’ operation covered on the policy.


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Premises and Operations

Premises and operations coverage (which I’ll call Prem/Ops) provides insurance for things related to your business location or operations.

Products Liability

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Product liability coverage provides insurance for damages related to your product. These damages include third parties who are injured or their property when damaged.


Property coverage protects against a long list of perils, including fire, hurricane, tornado, vandalism, and theft.

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