Business Owners Policy

Comprehensive Protection

Streamlined coverage for small and mid-sized businesses.

Stratford Insurance offers Business Owner’s Policies (BOP) that combine property, liability, and business interruption coverage. This tailored solution simplifies your protection and ensures your business is ready for the unexpected.

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Property Insurance

Protect your business’s physical assets, including buildings, equipment, and inventory, with property insurance. Whether it’s damage caused by fire, theft, or storms, Stratford Insurance ensures you have financial support to recover quickly. With customized policies, we help secure the tools and resources critical to keeping your business operational.

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General Liability Coverage

Accidents can happen in any business. General liability coverage protects against claims of bodily injury, property damage, or personal injury, such as slander. Whether a customer slips in your store or a client’s property is damaged, Stratford Insurance ensures your business is safeguarded from costly legal and medical expenses.

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Business Interruption Coverage

If a covered event temporarily halts your operations, business interruption coverage provides financial support. It covers lost income, rent, and other essential expenses. Whether it’s fire damage or a natural disaster, Stratford Insurance helps your business recover without facing financial strain, so you can resume operations confidently.

Some basic information that can help you better plan ahead.

  • What is included in a Business Owner’s Policy?

    A BOP typically combines property insurance, general liability, and business interruption coverage. Property insurance protects physical assets, liability coverage safeguards against third-party claims, and business interruption helps replace lost income during closures. Stratford Insurance tailors BOPs to meet your unique business needs.

  • Who should consider a Business Owner’s Policy?

    Small and mid-sized businesses with physical locations or customer interactions benefit most from a BOP. Retailers, service providers, and office-based companies often find BOPs cost-effective. Stratford Insurance helps assess whether a BOP suits your business operations and risks.

  • Is a BOP customizable?

    Yes, BOPs are highly customizable. You can add endorsements like cyber liability, equipment breakdown, or additional property coverage. Stratford Insurance ensures your policy aligns with your specific risks, providing robust protection for your operations.

  • Does a BOP cover employees’ injuries?

    No, a BOP does not cover employee injuries. Workers’ compensation insurance is required for that coverage. Stratford Insurance offers complementary policies to address all aspects of your business’s protection needs.

  • How is a BOP different from general liability insurance?

    A BOP combines multiple coverages, including general liability, while a standalone liability policy focuses solely on third-party claims. A BOP is a more comprehensive solution for businesses that also need property and income protection. Stratford Insurance helps you decide which approach best fits your needs.

Complete protection made simple.

Stratford Insurance simplifies your coverage with a Business Owner’s Policy tailored to your needs. Contact us today for a personalized quote and secure your business.