Business Owners Insurance Built Around Your Operations
You work hard to build and protect your business. Business Owners Insurance helps you keep it that way. With the right Business Owners Policy, or BOP, you can combine essential coverages into one package so you are better prepared for property damage, liability claims, and income loss that can interrupt your operations.
Ingram Insurance Group helps business owners across Ohio, Kentucky, West Virginia, Tennessee, Pennsylvania, Michigan, and Florida secure insurance that matches how they actually operate. Whether you own your building, lease space, or run your company from multiple locations, we help you find coverage that fits your risks, your budget, and your long-term plans for growth.
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Business Owners Policy (BOP)
Risk Factor
As a business owner, you've worked hard to build a solid business. But what happens when the unexpected happens? Are you covered?
Solution
A business owners policy is uniquely designed to protect your most important assets, including your business, its continuation, your employees, and your way of life. Discuss the details of this coverage with your agent and ensure that you're protected.
Errors and Omissions Liability (E&O)
Risk Factor
If you perform services for others, you are at risk of not doing the work correctly (errors) or not doing it at all (omissions). Lawsuits can arise claiming the error or omission harmed your client and caused them a financial loss.
Solution
Errors and omissions liability insurance protects any business that gives advice, makes educated recommendations, designs solutions, or represents the needs of others. Ensure you have this important coverage if you perform services for clients.
Directors and Officers Liability Insurance (D&O)
Risk Factor
Directors and officers (such as board members) are exposed to increased risk factors and are held accountable for acts that claim negligence in the performance of their duties. Any resulting lawsuits are typically expensive to defend, resulting in potentially large settlements.
Solution
Obtain comprehensive coverage to protect senior individuals of your company. Directors and officers liability insurance provides coverage for the legal costs to defend a covered lawsuit and provides the money necessary for any settlement beyond the defense costs.
Commercial Umbrella
Risk Factor
What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?
Solution
A commercial umbrella policy provides high limits of insurance, typically between $2,000,000 and $10,000,000. Coverage is extended over your general liability insurance, workers' compensation, business auto, as well as directors and officers liability coverage. It provides a great safety net and helps ensure your business is well protected.
General Liability
Risk Factor
Businesses are susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more.
Solution
General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.
Crime and Fidelity Bond
Risk Factor
What will you do if one of your trusted employees is found guilty of doing something dishonest?
Solution
Crime and fidelity coverage is designed to provide coverage for employee dishonesty, forgery and depository, theft, destruction and disappearance, and more. Discuss the details of this coverage with your agent to learn more.
Environmental Insurance
Risk Factor
Could your business cause damage to the environment? If so, are you covered?
Solution
Environmental insurance provides protection if an environmental catastrophe occurs.
Systems Breakdown
Risk Factor
With technology performing many tasks in today's world, a breakdown can cause a significant financial burden, including the cost to repair the equipment, the interruption of your business, as well as any lost income and extra expenses.
Solution
Comprehensive coverage provides protection against equipment mechanical breakdown. Discuss the details of what's covered with your insurance agent.
Workers' Compensation
Risk Factor
If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
Solution
Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law, so be sure that you understand your obligations.
Business Auto Insurance
Risk Factor
An auto accident can cause bodily injury or property damage to others for which you are responsible, potentially putting your business in financial jeopardy.
Solution
Business auto insurance provides coverage for vehicles owned or leased by a commercial enterprise and provides coverage for bodily injury, property damage, and other coverages, and includes both comprehensive and collision coverage.
Employment Practices Liability Insurance (EPLI)
Risk Factor
On average, it's estimated that three out of five businesses will be sued by their employees. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.
Solution
Obtain employment practices liability insurance to protect your business and its directors, officers, and employees from alleged employment-related acts such as wrongful termination, failure to promote, discrimination, and sexual harassment.
Cyber Liability
Risk Factor
The Internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage, and other technologies bring great benefits to large and small businesses alike. But with these benefits also come challenges, including protection of privacy, data, and financial information of your customers.
Solution
Cyber liability coverage covers unauthorized access to electronic data or software within your network. It also provides coverage for spreading a virus, computer theft, extortion, or any unintentional act, mistake, error, or omission made by an employee. This coverage is quickly becoming more and more important as you embrace technology to help run your businesses.
Business Income
Risk Factor
What would you do if a fire impacted the operation of your business? Or what if a pipe leak caused a system outage or extended downtime? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.
Solution
Business income insurance compensates you for lost income if the business cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.
Commercial Property
Risk Factor
Your business property is a significant financial investment. What if something happens to it?
Solution
Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
Protect Your Property, Income, and Liability
A Business Owners Policy is designed to bring together key protections most small and mid-sized businesses need. Instead of juggling multiple separate policies on your own, you can work with us to structure coverage that addresses your most important exposures in one integrated package.
Typical BOP coverage can address commercial property you own, your business income if you are forced to slow or stop operations after a covered loss, and many common liability claims that can arise from everyday business activities. Our team focuses on how your specific business operates, including your location, customer traffic, staff, and equipment, so you get practical protection rather than a one-size-fits-all policy.
Some of the benefits of a well-structured Business Owners Insurance program include:
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Combined property and general liability insurance in a single policy
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Protection for buildings, equipment, inventory, and other business property
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Coverage for lost business income and extra expenses after a covered loss
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Liability coverage for bodily injury or property damage to others
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Options to add coverage tailored to your operations and industry
Because Ingram Insurance Group is owned and operated by experienced real estate investors, we bring a property-focused perspective to your coverage. If your business owns or leases real estate, or if you operate from investment properties, we pay close attention to how the building, tenants, and business operations interact so you are not left with gaps between policies.
What to Expect When You Work with Us
When you work with Ingram Insurance Group on Business Owners Insurance, the process is straightforward and centered on your needs. We start by learning about your business, including your locations, how you generate revenue, your staff, and your existing insurance. This helps us understand your risk profile and any areas where you may be underinsured or missing important coverage.
From there, we review options from multiple insurance carriers, comparing coverage forms, limits, and deductibles. Rather than pushing a single product, we explain how different options would respond in realistic claim scenarios that matter for your business, such as a fire, a customer injury on your premises, or a covered business interruption. Once you decide on a direction, we help you put coverage in place and keep it up to date as your business and property portfolio change over time.
Why Business Owners Choose Ingram Insurance Group
Choosing an independent agency for your Business Owners Insurance gives you access to a broader range of solutions, and working with a team that understands real estate adds another layer of value. At Ingram Insurance Group, we combine our knowledge of investment properties with a strong focus on practical, day-to-day business risks. That perspective helps us spot issues that a generalist might overlook, especially when your business operates from properties you own or manage.
Because we serve clients across multiple states, including Ohio, Kentucky, West Virginia, Tennessee, Pennsylvania, Michigan, and Florida, we are familiar with the different regional risk factors that can affect your coverage options and requirements. Our goal is to make Business Owners Insurance clear and manageable, so you can focus on running your company while knowing you have an insurance team looking out for your interests.
Business Owners Insurance FAQs
What is a Business Owners Policy (BOP)?
A Business Owners Policy is an insurance package that typically combines commercial property coverage, general liability coverage, and often business income coverage into one policy designed for small and mid-sized businesses.
Who is a Business Owners Policy right for?
A BOP is generally a good fit for many retail shops, offices, professional service firms, and other small to mid-sized businesses that need both property and liability protection. Whether it is appropriate for you depends on factors like your size, revenue, type of operations, and property values.
Does a Business Owners Policy cover my building and my equipment?
Many BOPs include coverage for buildings you own, as well as business personal property such as furniture, equipment, and inventory, subject to the limits and terms of the policy. The exact items covered and the limits available depend on the policy you choose.
Is business income coverage included in a BOP?
Many Business Owners Policies can include coverage for lost business income and extra expenses when operations are interrupted by a covered cause of loss. The details, waiting periods, and limits vary by policy, so it is important to review these carefully.
Can I add other coverages to a Business Owners Policy?
In many cases, you can customize a BOP with optional coverages that reflect your operations, such as additional property or liability options. The availability and specifics depend on the insurance carrier and policy form.
Do you only work with businesses in Ohio?
No. Ingram Insurance Group is based in Dayton, OH, and serves clients across Ohio, Kentucky, West Virginia, Tennessee, Pennsylvania, Michigan, and Florida.
Protect Your Business With the Right Coverage Today
Secure the future of your company with tailored business owners insurance designed around your risks, assets, and goals. At Ingram Insurance Group, we are ready to review your current coverage, answer your questions, and help you get started; if you prefer a direct conversation, you can also contact us today.
Let’s Get Started
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