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If your business has fewer than 100 employees and revenues less than $1 million, it's eligible for business owners insurance, an effective and economical way to acquire property insurance and liability coverage in one policy, significantly reducing the threat of serious financial loss or even bankruptcy. Request business insurance quotes today, or read on to learn more about the benefits of business owners insurance.

What is business owners insurance? How does it work...

     A Business Owners insurance policy is an economical insurance solution for small- to medium-sized businesses. It provides     both business property coverage and general liability protection.

     Many Business Owner Policies (BOPs) offer low premiums, but also require coinsurance payments, meaning that policyholders pay a portion of their claims.

     BOP property coverage can be provided on "named peril" or "all risks" basis. Few will cover loss of money or important records.

     BOP liability is similar to commercial general liability, but not quite as comprehensive. One example: it has defined limits for specific claims. Additionally, BOPs do not include professional liability coverage, which covers loses and expenses from claims of error, omission, or negligence.

Special benefits of business owners insurance...

     Most BOPs provide business interruption coverage, reimbursing lost income and expenses, such as payroll, from interruption or suspension of business due to disaster-related damage.

     BOPs typically reimburse up to a year of lost revenue, resulting from insured property loss.

     General Information

      This section only needs to be completed once for multiple lines of coverage

Name of Business:

Name of Owners/Officers:

Contact Name:

Contact Phone & Fax:

 Phone:    Fax:

Contact E-mail Address:

Address:

City:

   State:    Zip:

Business Info:

C-Corporation
S-Corporation
LLC                

Sole-Proprietor

Partnership

LLP/Other

 Years in Business:

Fed. Tax ID or Social Security Number:

Business Description:

     Current/Previous Insurance Information

Current insurance company:

   Annual Premium:

Policy Period:

 Effective Date:    Expiration Date:

Any Other Carriers

(last 3 years):

No  Yes   If yes, please list name and estimated premium:

Any Insurance Claims Filed

(last 3 years):

No  Yes   If yes, please give following data:

 -Date of claims, amount of claims, description, and cost of claims:

     Payroll & Receipt Information

Gross Receipts/Sales:

 Current Policy Year:    Next Year:

Number of Employees:

Gross Payroll:

 Current Policy Year:    Next Year:

     Property Information

Age of Building:

          Number of Stories:

Primary Construction Material:

 (i.e. wood frame, brick, stucco)

Other Occupancies attached:

No  Yes   If yes, please describe other occupancies:

Building Improvements:

List all improvements and dates if building is over 15 years old:

(include wiring, plumbing, electrical, heat, etc.)

Security & Fire:

Please list and describe any alarm and sprinkler systems:

     Insurance Limits Information

Value of Building:

$ Amount you wish to cover.

Value of Contents:

$

Deductible:

$500.00      $1,000.00      $ Other

Other Coverages:

Are you interested in coverage for 1) loss of income, 2) glass breakage or 3) Money and Securities:  Yes   No    - If yes, please explain:

Is Liquor Liability Required:

Yes   No

Additional Insured:

(landlord, owner, bank)

Please list names and addresses:

     Additional Comments & Information

Please tell us anything else you think might be helpful to know in order to provide accurate insurance quotes: