BUSINESS OWNER’S POLICY FOR COLORADO BUSINESSES

Combine essential property and liability protection in one convenient policy built for your business.

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ESSENTIAL COVERAGE IN ONE POLICY

A business owner’s policy combines common coverages for eligible small and mid-sized businesses.

GENERAL LIABLITY

Helps protect your business from covered third-party claims involving bodily injury, property damage, and personal or advertising injury.

BUSINESS PERSONAL PROPERTY

Helps cover your equipment, inventory, furniture, supplies, and other business property against covered losses.

BUILDING COVERAGE

Helps protect an insured building and related structures against covered losses such as fire, wind, hail, and vandalism.

BUSINESS INCOME & EXTRA EXPENSE

Helps replace lost income and pay eligible extra expenses when a covered loss temporarily interrupts your business.

PRODUCTS & COMPLETED OPERATIONS

Helps protect your business from covered claims involving products you sell or work your business has completed.

EQUIPMENT BREAKDOWN

Can help pay to repair or replace covered equipment damaged by certain mechanical, electrical, or pressure-system failures.

More Options.
Personal Guidance.

As an independent insurance agency, McCloskey Advisor Group can compare coverage from multiple insurance companies instead of offering products from only one company. We look beyond the price to help you understand the coverage, limits, deductibles, and options included with each quote.

✓‍ ‍Quotes from multiple insurance companies

✓ Coverage limits explained in plain language

✓  Options based on your industry and budget

✓ Continued support as your business grows

COMPARE MY OPTIONS

ADDITIONAL PROTECTION FOR YOUR BUSINESS

CYBER LIABILITY

Helps protect your business from covered data breaches, cyberattacks, ransomware, and other digital risks.

EMPLOYMENT PRACTICES LIABILITY

Helps protect your business from covered employment-related claims involving discrimination, harassment, retaliation, or wrongful termination.

COMMERCIAL UMBRELLA

Provides additional liability limits above certain underlying business policies for greater protection.

HIRED & NON-OWNED AUTO

Helps protect your business from certain data breaches, cyberattacks, and other technology-related risks.

BUSINESS OWNER’S POLICY FAQs

  • A business owner’s policy, commonly called a BOP, combines several important business coverages into one policy. It typically includes general liability, commercial property, and business income coverage.

  • Many small and mid-sized businesses qualify, including offices, retail stores, restaurants, contractors, service businesses, and certain property owners. Eligibility depends on the business’s operations, size, revenue, location, and claims history.

  • A BOP commonly includes general liability, business property, business income, and extra expense coverage. Additional protection may be available depending on the insurance company and the needs of your business.

  • Workers’ compensation and commercial auto insurance are generally purchased separately. We can help coordinate these policies with your BOP.

  • You may not need coverage for the building itself, but you may need coverage for your equipment, inventory, furniture, improvements, and other business property.

  • Yes. Depending on your business and insurance company, options may include equipment breakdown, cyber liability, employment practices liability, professional liability, crime coverage, and other endorsements.

  • Pricing depends on your industry, location, revenue, payroll, property values, coverage limits, deductibles, claims history, and other risk factors.

  • Provide basic information about your business, including its operations, location, annual revenue, payroll, property values, and current insurance. We will compare available options from multiple insurance companies.