Overview

Business Owner's Package (BOP) Insurance combines many lines of insurance once bought separately then improves upon them by broadening the scope of the coverages and adding many special features and options.

The three main coverages provided in the BOP are: Business Personal Property, Business Income and General Liability.

• Business Personal Property includes coverage for furniture, fixtures, equipment, stock and tenants improvements.
• Business Income provides coverage for the loss of income caused by a suspension of operations due to a property loss. It also covers extra expenses incurred to avoid or minimize the suspension of business operations.
• General Liability provides coverage for bodily injury, property damage and contractual claims that might arise against the insured. Premises medical payments are also included at the insured location.

In addition to the main coverages indicated above, the policy will also offer or include the following optional coverages:

• Accounts Receivable
• Valuable Papers
• Fine Arts
• Computer Coverage

For further information, please contact Tamara L. Bartels at 858.514.7105 or tbartels@aherninsurance.com.