Póliza para propietarios de empresas

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What Is A Business Owner's Policy video

What Is Business Owner’s Policy Insurance?

A Business Owner’s Policy (BOP) combines business property and business liability insurance into one seguro de negocio policy. BOP insurance helps cover your business from claims resulting from things like fire, theft or other covered disasters. Business owner’s insurance also helps cover claims that could arise from your business operations. Aquí se incluyen las reclamaciones por lesiones corporales o daño a la propiedad. También incluyen reclamaciones relacionadas con daños personales o de publicidades.

A Policy Customized to Your Business

Businesses can tailor their Business Owner’s Policy (BOP) to help meet their unique needs by adding coverage options, like:
 
  • Pérdida de datos
  • Ingresos comerciales para servicios públicos fuera de lugar
  • Other specialized policies
A Business Owners’ Policy can be custom-made to fit industry specific businesses. This means it’s great for protecting your business no matter the size, especially small businesses. 
BOP insurance for business owners is built to cover companies that generally face the same risks. Customizing your BOP Insurance is an important first step when insuring your business. Small business owners should do this from the beginning to protect against losses and damages early on.
 

What Is Included in a Business Owner's Policy?

A Business Owner’s Policy (BOP) bundles business property and liability insurance into one policy. This means it can help cover claims of bodily injury and property damage to your building, equipment or inventory.
 
Some coverages that are included in a BOP are:

Seguro para propiedad comercial

Business property insurance, also called commercial property insurance, helps protect your owned or rented building, tools and the equipment you use to operate your business.

Seguro general contra terceros

This helps protect your business and its assets in the event of a lawsuit for things like negligence, bodily injury, property damage, libel and slander.

Seguro para ingresos comerciales

Business Income Insurance, also known as business interruption coverage, helps replace your lost income if you can’t operate because of covered property damage. This includes damage from a fire, wind or theft.

Additional Coverages You Can Add to Your Business Owner’s Policy Insurance

There are additional coverages that you can add to your Business Owner’s Policy (BOP) to help tailor coverage to your specific needs. Some popular optional coverages that you can add to your Business Owner’s Policy (BOP) include:

Seguro de compensación para trabajadores

Most state laws require you to carry this insurance to help cover lawsuits and compensate employees for expenses associated with work-related injuries or illnesses like medical bills, rehabilitation and lost wages.

Seguro de responsabilidad profesional

Professional liability insurance helps protect you and your company if you’re found negligent in the professional services you provided to a client, even if you didn’t make a mistake.

Seguro comercial para automóviles

Commercial auto insurance helps cover the cost of an auto accident if you or your employee is at fault. If you or your employees drive a vehicle for business reasons, having the right commercial vehicle insurance is important.

Seguro para la pérdida de datos

Data breach insurance, also known as cyber liability insurance, helps cover liability expenses from technology-related risks such as a data breach or cyberattack. If you collect, store, send or receive customer information, it’s important to protect against cyber risks.
Más Coberturas

What Is Not Covered Under a BOP Policy?

Although a Business Owner’s Policy (BOP) includes three essential types of business insurance, you may need additional coverage to make sure your business is fully protected. A BOP doesn’t include coverages like workers’ compensation, professional liability insurance, commercial auto insurance and data breach insurance. You can add these coverages on to your BOP as additional protection. You may be required to have certain types of insurance coverage depending on where your business is located, so be sure to check with your local laws.
 

Seguro BOP de The Hartford

Independientemente del tipo de negocio que posea, el seguro BOP puede adaptarse perfectamente a su empresa. Our Hartford representatives will walk you through the whole process of selecting the coverages that are right for you. Although we’re one of many insurance companies that offer BOP policies, we’re confident that we have the coverage that’s right for you. Obtenga una cotización de seguro BOP  hoy mismo.

Who Needs a Business Owner’s Policy?

If you rent or own workspace or have client contracts that require general liability insurance, you’ll likely need a Business Owner’s Policy (BOP). A BOP can help your business if:
  • You have a physical location
  • There’s a possibility of you getting sued
  • You have assets that could get stolen or damaged

How Much Does a BOP Cost?

The average annual cost our customers paid for a BOP was $1,019, or about $85 a month.1 Remember, every small business is unique and has different needs. So, insurance rates will vary. The best way to find out how much a BOP will cost for your business is to get a cita.

5 motivos por los que su empresa
necesita una BOP

Seguro para propietarios de empresas
Business owner's policy insurance will help keep you protected if your company has:
Póliza de seguro BOP
1. Employees:
Workers can accidentally injure customers or cause property damage. With this policy, you'll have protection for them and your business.
Póliza BOP
2. Any chance of a lawsuit:
Si un cliente se resbala y se cae en su tienda, esto puede ayudarlo a pagar sus gastos médicos y sus costos legales.
What is a business owner's policy?
3. A physical location:
Su póliza BOP puede ayudar a cubrir negocios que se realizan desde su casa, una oficina, una tienda o un garaje alquilado o de su propiedad.
Business owner's policy insurance
4. Assets that could get stolen or damaged:
Digital property, equipment, furniture, cash and inventory are all difficult to repair or replace without the right insurance.
¿Qué es el seguro BOP?
5. Private customer data:
Si alguien roba o pierde información de identificación personal, este seguro puede ayudar a cubrir los gastos de notificación a los clientes afectados y las relaciones públicas.
To learn more:
Cotización
 

Business Owner’s Policy FAQs

Comprar una póliza BOP es una medida inteligente y conveniente. Simplifica las necesidades de cobertura al incluir el seguro de propiedades comerciales y el seguro de responsabilidad comercial. Estas dos importantes coberturas combinadas en una sola.
 
Our Business Owner’s Policy (BOP) offers businesses a way to save money while getting broad coverage for things like:
 
  • Incendio
  • Robo
  • Demandas
  • Pérdida de ingresos
Nuestra póliza BOP es una opción más asequible que las pólizas de responsabilidad y de propiedad comercial separadas. Esta póliza es una opción aún más inteligente y conveniente para los dueños de empresas porque les permite agregar otras coberturas. Businesses with specific needs can tailor their BOP by adding coverages, like:
 
  • Ingresos comerciales para servicios públicos fuera de lugar
  • Pérdida de datos
  • Responsabilidad profesional
Business income coverage is included in a Business Owner’s Policy (BOP) with The Hartford. With this coverage, your business income is protected if your business is unable to operate due to a coverage property damage, like fire damage. This coverage can help cover your lost income until your business can make repairs and reopen again. It can also help your business continue to pay your operating expenses, like payroll and monthly bills.
General liability insurance can be purchased as a standalone policy, but most business owners opt for a Business Owner’s Policy (BOP) for more coverage. A BOP combines general liability insurance with commercial property and business income coverage into one convenient policy. With just a general liability insurance policy, you’d only be covered against claims that your business caused property damage, advertising injury or bodily injury to someone. With a BOP, your business would be protected against more risks like fire, theft, wind and lightning and any lost income resulting from a covered loss.
Having a business owner’s policy for insurance helps this business owner continue caring for pets

Looking for a Business Owner’s Policy?

You can start a business insurance quote for free online today. We’re an insurance company you can count on. We’ve been helping small businesses get the coverage they need for over 200 years. Save time and get your business insurance online hoy mismo.
 
Iniciar cotización

What Our Business Owner’s Policy Customers Are Saying:

cita 1
“The Hartford is one of the largest small business insurance carriers. Their BOP policies include the right coverages at a great price. They are easy to do business with.”
 
Jayar H.
cita 2
“I was in the middle of moving my office location and the new landlord requested their name be on my business owner’s policy. I logged into The Hartford and the process was seamless. One of the best websites I have ever experienced.”
 
George S.
cita 3
“I have been a business owner’s liability policy holder for a number of years. The Hartford has been consistently affordable and has offered excellent service during this time.”
 
Thomas M.
cita 4
“My interaction with The Hartford website has always been easy, intuitive and quick to use. I appreciate this as a business owner. Thank you!”
 
Bob A.
 

Read Business Owner's Policy Claim Reviews (by product)

 

Seguro de propiedades comerciales

 

Seguro general contra terceros

Business partners high five because their new business is protected by a bop policy

Otras coberturas para empresas

We offer insurance coverages for companies of all sizes – large and small.
 
Ir
The Hartford no será responsable de ningún daño relacionado con el uso de la información proporcionada en esta página. Consulte con su agente/corredor de seguros o compañía de seguros para determinar las necesidades específicas de cobertura, ya que el contenido publicado aquí se ofrece con fines informativos solamente.
 
La información contenida en esta página no debe interpretarse como asesoramiento legal, de Recursos Humanos, financiero o de seguros específico, y no es una garantía de cobertura. En el caso de una pérdida o reclamación, las determinaciones de cobertura estarán sujetas al lenguaje de la póliza, y cualquier pago de reclamación posible se determinará luego de que se investigue la reclamación.
 
Ciertas coberturas varían según el estado y es posible que no estén disponibles para todas las empresas. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the Aviso legal.
 
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.
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