A business owners policy, called a BOP, is a package. For a shop, an office, or a small landlord of a commercial unit, it can put liability and property on one contract. It is built for firms that fit a company's appetite. When the work is heavier, we split the coverages apart and say why.
What it covers
General liability for the operations. The building, if you insure it, and the business personal property: furniture, equipment, and inventory. Business income and extra expense, on many forms, when a covered loss shuts the business. Equipment breakdown if it is added. The hurricane deductible on the property follows section 627.701 when the cause is a hurricane. The declarations page states the percentage.
What it doesn't cover
Flood and storm surge. Workers' compensation. Professional liability. Autos. A shutdown that is not tied to a covered cause of loss. A power failure away from your premises, unless the form extends to it. A class of business the company will not package. Money and crime, beyond a small limit, unless you add them.
Florida specifics
A hurricane can close a Beach Boulevard shop because the building is damaged, or because the county has closed the road. Those are different coverages. Business income for damage to your property is not the same as civil authority coverage, and both can have a waiting period measured in hours. Wind-driven rain through a worn roof may not be a covered opening. Flood still needs its own policy if the inventory sits on the ground floor.
How we help
Tell us what you sell or what you do, whether you own the building, and what a week of being closed would cost you in continuing expenses. We will say whether a BOP fits or whether you need the pieces separately. Start a business quote, or call either office. Bring the lease if a landlord wants to be named.