Business Owners Package

Pay less for business insurance with a Business Owners Package (BOP) through New England Insurance.

Connecticut Business Owners Package (BOP)

The Business Owners Policy (BOP) is designed to provide a package of coverages for businesses that need General Liability Insurance and Commercial Property Insurance. It is designed to offer coverage for small to medium size businesses.


Basic Coverages Offered

The three primary coverages included in the BOP are designed to offer the appropriate coverages that are typically required on a broad basis.

  1. Commercial General LiabilityThis important coverage provides protection for you or your business when you are held liable for injuries suffered by a third party.
  1. Property InsuranceThe property insurance coverage provides protection for buildings and business personal property that you or your business owns. This important coverage is provided for all perils unless specifically excluded in the policy.
  1. Business Interruption InsuranceIf your business loses income resulting from a covered peril such as a fire or natural disaster, business interruption coverage will reimburse you for the lost income. This coverage can also include any extra expenses of operating your business from a temporary location.

Optional Coverages Available

Even though the BOP provides comprehensive coverage for most businesses, there are many endorsements (add-ons) that can be added to accommodate many types of business operations and meet your individual needs:

  • Attached or freestanding signs
  • Worldwide laptop coverage
  • Money & Securities off-premise
  • Personal property of others
  • Spoilage
  • Equipment Breakdown
  • Hired and non-owned auto
  • Outdoor property
  • Key replacement and locksmith
  • Cyber liability
  • Employee Dishonesty
  • Fine Arts

Your business is the result of capital that you risked and many hours of strategic planning and in most cases, significant funds are borrowed for the startup. It makes no sense to purchase a cookie-cutter insurance policy to protect your business when a policy can be tailored to meet your individual needs. Since the BOP offers a broad range of coverages to protect you from a broad range of risks, it is the best policy selection if you own a qualifying business. Contact New England Insurance for further details and a free and confidential quote. (203) 367-2222.


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In 2016, Nick Khamarji, Jr. was elected President of the Professional Insurance Association’s CT Young Insurance Professionals.

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At New England Insurance, our brokers work with any and all types of insurance coverages.

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