Seguros para empresas

What Is BOP Insurance?

If you are looking for a BOP insurance definition, it is simply a policy that provides both property and business liability insurance in one packaged policy. The cost of the combined coverage is typically less than it would cost to purchase each of the included coverage types separately.

A business owner policy is designed to cover the basic needs of small to mid-sized businesses at an affordable rate.

Is BOP Insurance Right for Your Business?

If you have a small to mid-sized business, you may be daunted by the number of risks you face, and the number and variety of insurance policies you will need to buy to cover those risks. A business owners policy, or BOP, may be the answer. A BOP is a package policy designed to offer small to medium sized businesses most of the insurance coverage they need in one convenient product.

There are some risks that BOPs do not include, and exact coverage and wording can vary from company to company, so it is important to review a number of options before you purchase your coverage. Univision Insurance business lines agent can help you compare business owners policy quotes and find the coverage that is right for you.

Business owner policies will not normally include the following coverages:

Liability and physical damage coverage on owned vehicles

Professional liability or errors and omissions coverage

Workers compensation coverage

Aircraft and

watercraft

Flood

insurance

Coverage for property in transit, particularly for an international shipment

Umbrella

liability

Coverage for more than five locations

All these risks can be covered in separate policies or in endorsements added to your current policy. In order to be sure you get the BOP insurance you need, call us today adn talk to agent.

The basic coverage in a typical BOP include:

Real property coverage (if you own your own building)

Employee dishonesty

Business personal property insurance

General liability coverage for the premises and operations

Loss of income (business interruption)

Medical payments

Equipment off premises

Coverage for more than five locations

The following are usually offered on an optional basis:

Hired and non-owned autos (if you have a separate auto policy this is better included there)

Loss of money and securities

Loss of electronic data

Employment practices liability

A BOP is not designed for a large, multi-location company with a need for a complex insurance program. However, it can be ideal for a smaller, one-location business.

Will a BOP Insurance save me money?

While all businesses need to control costs, small and medium-sized businesses often have more financial concerns and tighter margins than larger companies. You can often save on insurance rates by taking a number of measures. These include:

Combining the critical coverage you need in a BOP
Asking your agent for information on discounts. You may qualify for discounts based on:
- Combining multiple policies under one insurance company (such as commercial vehicle and property insurance)
- Improving the safety and security of your company with security systems, automatic fire sprinklers and employee safety training
- Asking your agent for information regarding other discounts you may qualify for, such as discounts for association memberships

BOP insurance is one way of combining a number of coverages in one policy in order to take advantage of packaged pricing, but there are other methods as well. Be sure to work with a knowledgeable business insurance agent who can help you review a number of options for getting the coverage you need at a price you can afford.

Since a BOP may not cover all of your business insurance needs, you will want to evaluate the benefits of purchasing your insurance policies separately against the option of buying a BOP and adding on any additional coverage you may need.

Univision Insurance can provide all the help you need to compare business owners policy quotes with other options and find the coverage that best suits your needs and budget.

How to get BOP Insurance

Virtually every insurance company who writes business coverage will sell a BOP. Before shopping for BOP insurance, put the following information together:

A description of your business operations
The full legal name of your business
Your legal structure -- corporation, LLC, etc.
Mailing address
Physical address
Contact person with phone number and email address
Tax ID number
The number of square feet you occupy

The replacement cost of your real property if you own your own building
The replacement cost of your business equipment
The average maximum value of your inventory, if your inventory value fluctuates
Your projected business income for the next year
Your projected payroll for the next year broken down by duties
A schedule of owned vehicles with serial numbers and lien holders, if any
A list of drivers with dates of birth and driver's license numbers
The amount of cash and securities, if any, you keep on premises

Cómo obtener un seguro BOP

Prácticamente todas las compañías de seguros que suscriben coberturas comerciales venden un seguro BOP. Antes de comprar un seguro BOP, reúna la siguiente información:

Una descripción de sus operaciones comerciales
El nombre legal completo de su empresa
Su estructura legal: corporación, LLC, etc.
Dirección de envio
Dirección física
Persona de contacto con número de teléfono y dirección de correo electrónico
Número de identificación fiscal
El número de pies cuadrados que ocupa
El costo de reemplazo de su propiedad inmobiliaria si usted es dueño de su propio edificio
El costo de reemplazo de su equipo comercial
El valor máximo promedio de su inventario, si el valor de su inventario fluctúa
Sus ingresos comerciales proyectados para el próximo año
Su nómina proyectada para el próximo año desglosada por funciones
Una lista de vehículos propios con números de serie y titulares de gravámenes, si los hubiera
Una lista de conductores con fechas de nacimiento y números de licencia de conducir.
La cantidad de efectivo y valores, si los hubiera, que tenga en sus instalaciones

Cualquier agente con el que trabaje necesitará esta información básica para obtener cotizaciones en su nombre. Asegúrese de solicitarle a su agente que le proporcione varias cotizaciones para que pueda estar seguro de que está obteniendo la máxima cobertura y valor por el mejor precio.

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When is the best time to shop for a BOP?

¿Cuál es el mejor momento para comprar un BOP?

Puede contratar su seguro en cualquier momento, pero muchos empresarios no saben que existen períodos pico en el sector de los seguros. Muchas empresas prefieren que su cobertura comience el primer día del mes. Un gran porcentaje de empresas quiere que su programa de seguros comience el 1 de enero o el 1 de julio porque quieren que se ejecute simultáneamente con su año fiscal.

La consecuencia es que las empresas que buscan cotizaciones con estas fechas de inicio pueden obtener cotizaciones menos competitivas porque sus solicitudes tienden a "perderse en la confusión" de una gran cantidad de otras solicitudes que deben suscribirse y cotizarse al mismo tiempo.

A menos que tenga un motivo para hacer lo contrario, elija una fecha de aniversario de mediados de mes para su seguro BOP en cualquier mes que no sea junio o diciembre.

Start comparing business owner insurance quotes

Comience a comparar cotizaciones de seguros para propietarios de empresas

El seguro BOP es una póliza en paquete que constituye una solución económica para pequeñas y medianas empresas. Sin embargo, aún necesita el asesoramiento y la opinión de un agente que lo ayude con las numerosas decisiones que deberá tomar para establecer un programa de seguros completo.

Para comparar cotizaciones y encontrar la mejor póliza para sus necesidades específicas, comuníquese con Univision Insurance . Su agente puede ayudarlo a encontrar la póliza para propietarios de empresas adecuada para usted y su empresa.