PROTECT THE BUSINESS YOU WORKED SO HARD TO CREATE

Small business coverage, for your business protection... for your peace of mind.

BY LISA TORRES | OWNER, LISA TORRES INSURANCE AGENCY - STATE FARM

What is a Business Owner’s Policy?

A Business Owners Policy (BOP) bundles two essential coverages: general liability and property insurance. This affordable insurance package protects you against the unexpected risks of doing business. It’s a great choice for small- to medium-sized businesses, such as hair salons, florists, landlords, photographers, restaurants, and more.

It's good to know that:

• A Business Owner’s Policy can easily be customized to match the unique needs of your business.

• Equipment breakdown, loss of income, money and securities protection, and more are included at no additional charge.

• Business owner’s insurance from State Farm® is affordably priced based on the type of business you own, the value of your property, you as the owner, and other factors.

What does a Business Owner's Policy Cover?

Business owners’ insurance is designed to protect you against a broad range of risks. The coverages typically included in a BOP are:

• General Liability: This protects you against costly claims and lawsuits resulting from a customer being injured while at your business – and if you damage other people’s property.

• Property Insurance: If buildings and other structures you own are damaged or destroyed, you’re covered. It also protects your office equipment, business equipment, and inventory from a covered loss.

• Loss of Income: In the event your business is shut down (for up to 12 months), this coverage protects your income and provides help for ordinary payroll expenses.

• Equipment Breakdown: When your covered equipment breaks down or is damaged by covered claims, we’ll help pay to get things back up and running.

• Professional Liability: you could be sued as a result of the services you provide to your customers. For specific occupations, this coverage can be added for protection against costly claims and lawsuits.

No two businesses are the same.

Depending on the type of business you own, the number of employees you have, and other factors, what’s covered in the typical Business Owners Policy may not be enough. That’s why we offer a wide range of coverage options that can be custom fit to your needs.

• Commercial auto

• Commercial auto covers the cars, trucks, vans, and other vehicles used for business. If you have multiple vehicles, talk to a local agent about available options.

• Workers’ compensation

• Workers' compensation protects your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

• Commercial liability umbrella policy

• Commercial liability umbrella policy (CLUP) gives you an added measure of protection when your covered liability losses exceed your policy limits

Tips for Buying Business Owners' Insurance

Business owners’ insurance is designed to protect you against a broad range of risks. The coverages typically included in a BOP are:

• Assess your risks. Think about what kind of accidents, natural disasters, or lawsuits could damage your business. What business property do you own (for example, inventory, equipment, or buildings) that could be at risk?

• Work with an agent. State Farm agents are business owners too. They understand the unique needs of small business owners.

• Re-evaluate every year. As your business grows, so do your potential risks. Check-in with your local agent to make sure you have the proper coverage.

Call, text, or email Lisa's team today for your complimentary quote.

470-349-8019 | [email protected] | www.lisatorres.org