A Business Owner's Policy (BOP) is a packaged policy of insurance products that usually includes property and casualty, liability, and a business interruption policy. The BOP is targeted towards small and medium-sized businesses with well-defined risks including almost all office-based exposures, retailers, and wholesalers up to $50M in sales and many more.
Many businesses have special needs or are too large to fit easily into a BOP program. For these businesses, Pennbrook/CAIB works with over 15 major carriers and a host of specialty lines carriers to provide a wide array of products and services.
Commercial LiabilityThere are many types of liability coverages for all types of businesses and exposures. Some of the most common are:
- general liability: Including products and completed operations liability and personal and advertising injury coverage.
- professional liability: Special markets for attorneys, software developers, publishers, web page makers, architects, engineers, and many more professions.
- directors and officers liability: Covers directors and officers of non-profit and for-profit organizations.
- employment related practices liability: sexual harassment, gender bias lawsuits, wrongful termination and other employment related lawsuits brought against your company..
Private Flood Insurance