Business Owner Policy

A Business Owners Policy (or BOP) bundles several types of insurance into one comprehensive policy to protect your business. It can include property, general liability, business interruption, hired and non-owned auto or commercial auto and more.

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There can be separate limits for different types of property, such as computers, and liabilities, such as harassment. It’s vital that you understand how you are covered and that the limits are designed and set to meet your needs. You do not want to find out at claim time how much coverage you do or do not have!

PFSI can find you coverage for your business property, building, general liability and other business liabilities.

Key Features of BOP for Dentists

  • Replacement Cost for Property
  • General Liability @ $2mil/$4mil
  • Includes Extra $350k of Blanket Property Coverage for Computers
  • Other Leased Property
  • Back Up Sewer
  • Accounts Receivable
  • $25k of Employee Dishonesty
  • $5k of Dental Board Defense
  • $25k of Dental Waste Liability
  • $25k of ERISA Bond
  • $3k Per Diem for Business Income Interruption or 12 Month Actual Loss
  • $5k Employment Practices Liability (Harassment, etc.)
  • Full Value Replacement for newer buildings

We have access to Travelers, Hartford, Auto-Owners, Foremost and more:

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