Business Owners Insurance

Protect what you’ve built—from your team to your bottom line—with coverage designed for real-world risks.

Protect what you’ve built—from your team to your bottom line—with coverage designed for real-world risks.

If your business owns valuable assets—like equipment, inventory, or office space—a Business Owner’s Policy (BOP) is a smart way to protect it all. A BOP conveniently combines three essential coverages into one plan: business property, business liability, and business income insurance. It’s a simple, cost-effective way to safeguard what you’ve built and keep your business running smoothly when the unexpected happens.

At Income Resource Group, we’ll help you customize a BOP that fits your specific needs-so you can focus on growing your business with confidence.

Do I need Business Owner's Insurance?

Running a business comes with risks—and the right insurance helps you stay prepared. Business insurance helps cover unexpected costs like property damage, legal claims, or accidents that could otherwise come out of your pocket. Without it, a single incident could seriously disrupt your operations or even threaten your business's future.

In fact, many states require certain types of business insurance by law. But even where it’s not mandatory, it’s a smart way to protect everything you’ve worked so hard to build.

What a Business Owner’s Policy Helps Protect You From

With the right Business Owner’s Policy (BOP), you can safeguard your business against a wide range of everyday risks, including:

General Liability – Protection from lawsuits and third-party claims
Property Damage – Coverage for your building, equipment, or inventory
Business Liability – Financial protection if your business is held responsible for damages
Cyber Liability – Help if your business experiences a data breach or cyber attack
Professional Errors – Protection for mistakes or oversights in the services you provide
Professional Errors – Protection for mistakes or oversights in the services you provide

At Income Resource Group, we’ll help tailor a BOP that covers what matters most—so you can run your business with confidence.

What’s Covered by a Business Owner’s Policy (BOP)?

A Business Owner’s Policy is designed to protect the essential parts of your business—from the people who power it to the assets you rely on every day. Here's how it helps:

Employee-Related Incidents
If an employee accidentally injures a customer or damages their property, your BOP helps protect both your team and your business from the financial fallout.
Lawsuits and Legal Claims
If someone slips and falls at your business, this coverage can help pay for their medical bills—and your legal defense if you're sued.
Your Physical Business Space
Whether you operate from home, a rented office, a storefront, or a garage, your policy helps cover damage to your space and the things inside it.
Stolen or Damaged Assets
From inventory and equipment to cash, digital tools, and furniture—replacing what’s lost can get expensive. A BOP helps you recover faster.
Customer Data Breaches
If personal client data is lost or stolen, this coverage helps you handle the aftermath—like notifying affected customers, restoring trust, and managing PR costs.

At Income Resource Group, we help you customize your BOP to match your business needs—so you're covered where it counts most.

Already Have Business Insurance? Let’s Make Sure It’s Still the Right Fit

If your current business insurance isn’t meeting your expectations—whether it's slow claims processing, rising premiums, or limited coverage—it might be time to explore better options. You deserve a policy that protects your business without added stress.

But timing matters. Canceling your existing policy before your new one is active can leave you vulnerable to unexpected risks and costly gaps in coverage.

At Income Resource Group, we’ll help you review your current plan, walk you through your options, and make the switch simple and seamless—so your business stays protected every step of the way.

Get in touch with us today—we’re here to help you find the right coverage with confidence.

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