BOP (Business Owners Package)

Business Owners Package policy, commonly called a "BOP" contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.

Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers' compensation, professional liability, or business vehicle coverage.

Business Interruption

If your business suffers a property loss it could cause the business to slow or close down while repairs are made. This may mean a complete or partial revenue loss depending on the time frame and the damage. From the time the loss occurs until your business is running again, insurance can replace your lost profits, and provide a source of money to pay your necessary continuing expenses, like rent, payroll, taxes, etc.

Commercial Property

Commercial Property protects your business against the loss or loss of use of company property. "Property" can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers.

Commercial Umbrella

Most package policies provide a liability insurance limit of $1 million for any one loss and $2 million in any one year. For many businesses, this limit is inadequate for real economic security. As a result, additional layers of protection in million-dollar increments are readily available in today's insurance market for most businesses.

Contractor's General Liability

Contractor's General Liability insurance is for residential and commercial builders, general contractors, construction managers, design and build firms, specialty contractors or subcontractors, owners or public and private construction projects.

We offer contractor policies for every type of project:

• Property
• Builders risk insurance and course of construction
• Liability insurance
• General liability insurance
• Contractor insurance
• Commercial auto
• Umbrella
• Workers' compensation
• Railroad protective
• Equipment insurance
• Contractor bond

Employment Practices Liability (EPLI)

Employment Practices Liability Insurance otherwise known as EPLI is insurance that helps protect you against claims from your employees that result from the general conduct of your business. Common examples of employee related claims include claims relating to:

• Discrimination
• Wrongful Discharge
• Sexual Harassment
• Hostile Working Environment
• Wrongful Termination
• Lack of Advancement

General Liability

Normally, it is difficult for businesses or general contractors to work without general insurance. General liability insurance is intended to guard operators and owners of companies from claims that may come from a broad spectrum of sources. These exposures could be just about anything, including liability engendered by accidents from the operations of the insured party, contractual liability, products manufactured by the insured party, etc.

The liability you select, whether it is one, two, or three million dollars, determines the cost of general liability insurance. Also factored into the rates are the kind of work undertaken, gross receipts and total payroll expenses. Similar to auto insurance, when it comes to general liability insurance, you will first have to make a down payment and then follow it up with installments. Before buying general liability insurance, it is best to compare the quotes available in the market.

It is the business owner's or general contractor’s job to make sure that the people working under him/her are covered by an insurance policy. If for example, a person who is not a part of the project gets injured, the injured person’s lawyer can target just about anyone involved in the project. The more individuals that are involved, the greater the chances of a successful lawsuit.

Liquor Liability

Liquor Liability Insurance is designed to provide liability insurance protection for those businesses who manufacture, distribute, or sell liquor. You need liquor liability insurance if you sell liquor and your business is a:

• Bar
• Tavern
• Nightclub
• Fraternal Club
• Convenience Store
• Liquor Store
• Restaurant

Property Liability

The general or public liability policy provides protection for claims of liability that are made by third parties. The policy provides defense protection even if the allegations are groundless. In addition the policy will pay any judgment up to the policy limit of coverage.

Restaurant

Today’s restaurant environment is more complex than ever and you want to know you’re covered for the unexpected occurrence.

Whether you run a small cafe or a national chain, you could be held liable for anything from contaminated or spoiled food to spilled coffee. That’s why you deserve an insurance company with commercial restaurant insurance coverage specifically designed for the risks you face.

Eligible classes include, but are not limited to:

• Fine Dining
• Casual Dining
• Fast Food
• Ethnic Cuisine
• Delicatessen
• Coffee Shop
• Micro Brewery

Surety Bonds

We work with many of the country's top-rated surety companies to secure:

• Contract Payment and Performance Bonds
• Fidelity Bonds on Employees
• Code Compliance Bonds
• Judicial and Court Bonds, including estate guardianship and repletion bonds
• Professional Service Bonds

Wholesalers & Distributors

Integrity Solutions Insurance Services offers a broad range of coverages that are cost-effective and perfectly tailored for your business requirements if wholesaling or distributing. Get coverage specifically designed for today's wholesalers and distributors.

Our programs for wholesalers and distributors include detailed risk assessment and loss control expertise that can help reduce insurance costs for everyone from the small supplier to the large distributor.

Workers' Compensation

Workers' compensation insurance protects employers from claims resulting from injuries to employees. It protects your business from lawsuits and provides employees with compensation for on-the-job injuries.

By law, most employers are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job accidents or illnesses. For many businesses, this coverage is the largest part of its insurance expense.