Business owners policy
Business owners policy insurance in Palm Bay
A business owners policy packages property and general liability for many smaller firms. It is not a fit for every trade, and it does not replace workers’ compensation or commercial auto. The quote is free.
5.0 stars from 18 Google reviews · Licensed in Florida – License #G100342 (Life, Health & Variable Contracts). Verify license. Hablo español.
Carriers we work with
Home, Auto & Commercial
Logos are trademarks of their respective owners and are shown to identify carriers we are appointed with.
Why people call
Two coverages, one form
Property for the business and liability for injury or damage you cause to others, when the carrier will write that class as a package.
Not a catch-all
Workers’ compensation, commercial auto, professional liability, and cyber are still their own conversations unless the form says otherwise.
Eligibility first
Receipts, the kind of work, and the building decide whether a package is even offered. We will say if you need separate policies instead.
What it covers
For an eligible business, a business owners policy usually combines general liability with coverage for the building or the business personal property you schedule. Business income is often part of the package after a covered physical loss. “Often” is not “always.” We read the income limit with you.
It does not automatically include workers’ compensation, vehicles, professional mistakes, or cyber events. A restaurant, a manufacturer, or a contractor may be outside the classes a carrier will package. If you do not qualify, we quote general liability and commercial property separately rather than forcing a form that does not fit.
Who needs it
Many small shops, offices, and landlords of small commercial buildings in Palm Bay and Brevard County, when the work and the receipts fall inside a carrier’s appetite. It is a common request when you want property and liability together and a certificate that shows both.
Call or text (321) 429-1182. Tell us the work, the address, whether you own or lease, and a rough idea of receipts. Choose Business owners policy on the quote form. If a package is the wrong tool, we will say so.
A free quote is not a policy. Nothing on this page is a binder of coverage.
Questions people ask
What is actually in a business owners policy?
Typically general liability plus property for the locations and property you schedule. Business income after a covered loss is common and still has a limit. The quote lists what is included. We will not describe a coverage that is not on it.
Is every small business eligible?
No. Carriers limit the classes, the size, and sometimes the building. Some contractors, bars, and manufacturers need separate policies. Eligibility is the first question, not an afterthought.
Does a BOP include workers’ compensation?
No. Employees hurt on the job are a workers’ compensation policy. Florida’s headcount rules still apply. A package certificate does not prove you have workers’ compensation.
Does it cover my truck?
No. Vehicles used for the business need commercial auto. A business owners policy is not an auto policy, even if you use the truck to get to the shop the policy insures.
Does it cover a professional mistake or a hack?
Not as a standard feature. Advice and professional services point to errors and omissions. A data breach or ransomware points to cyber liability. Some packages offer those as add-ons. We will say if the quote has them. We will not assume it.
I only need liability. Is a BOP too much?
If you have no business property to insure, general liability alone may be the cleaner quote. If you have equipment, stock, or a building, the package is worth comparing. We can show both shapes when the carrier allows it.
We are contractors. Will you start with a BOP?
Only if a carrier will write your class that way. Many contractors are quoted on general liability, workers’ compensation, and commercial auto as separate policies, plus property if you have a shop or tools to schedule. We will not push a package that the market will not offer.
Is the quote free?
Yes. Comparing a business owners policy with separate policies is free. You pick what to buy.
Ready for a real quote?
Call, text, or send the short form. We answer during Monday–Friday, 9:00 AM–6:00 PM; Saturday, 10:00 AM–2:00 PM; Sunday closed.