The concept of Inland Marine insurance may be hard to wrap your head around, especially since the terms “marine” and “inland” seem to contradict each other. So what does inland marine insurance cover and how can agents help their clients understand how it protects their business from liability?

As the holiday shopping season winds down, small retailers and wholesalers know now more than ever the importance of BOP coverage for small businesses. A BOP ensures that your business is covered in the event of an accident or injury on your property, damage due to illegal activity, or business closure due to natural events.

As a general standard, business owners are a tough bunch. It takes grit and guts to embark on a business journey, and it’s not all glory and sunshine. Running a business is hard work. Not only is a business owner responsible for the livelihood of their employees, but they’re also responsible to their clients and customers to keep the lights on and the doors open.

Small businesses face a variety of challenges every day. A Business Owner’s Policy (BOP) can help small business owners feel a bit more secure in their business venture. As we discussed last week, a BOP covers three of the most common business liabilities: general liability, property, and business interruption coverage. Designed with small businesses in mind, this coverage is affordable, customizable, and tailored to your specific industry. Do you need it for your business?

If you’ve ever asked yourself, “what coverage do other businesses like mine have?” or “what kind of insurance is common in my industry?” then a Business Owner’s Policy (BOP) might be a great solution for your small business. This common type of insurance offers a combination of coverages that would normally be available separately. By bundling them together, business owners can save money and get better coverage.