Small Businessowners Policy (BOP)

Protect Your Small Business with Safeco’s Businessowners Program

Safeco’s Businessowners Program offers important coverages like identity coverage and business income all in one policy, designed with your needs in mind.

Our Businessowner Policy protects your small business property from loss or damage, and provides liability coverage for losses. We have several programs with coverage tailored to specific industries. And with Safeco’s legendary claims service you can be confident that your company is protected by the best insurance value available.

Business Property Insurance

General Loss

Protects your buildings and business personal property, including computer equipment and glass, from certain losses due to fire, vandalism, theft, windstorm, water exposure, or other perils.

Business Income Protection

Provides insurance coverage for small businesses for loss of earnings and/or extra expenses after a covered loss, for up to 12 months.

Accounts Receivable

Provides $25,000 coverage for amounts due from your customers that you are unable to collect because of loss or damage to records.*

Equipment Breakdown

Covers damages related to certain equipment failure which is often not covered by warranties or property policies. Learn more about our special Contractors Equipment insurance also.

Valuable Papers or Records

Provides $25,000 insurance coverage for loss of documents, manuscripts, and records caused by a covered hazard.*

Electronic Data

Provides $25,000 insurance coverage for loss of electronic data and media, caused by a covered hazard.*

Money and Securities

Provides insurance coverage for theft, disappearance, or destruction of money and securities at your covered premises, at a bank, or while in transit. This covers up to $10,000 on premises and $5,000 off premises.*

Employee Dishonesty

Provides $15,000 insurance coverage for loss of your business property and money and securities caused by covered dishonest acts committed by your employees.

Forgery or Alteration

Provides $5,000 insurance coverage for losses involving forgery or alteration of checks, drafts, and other covered instruments.*

Sewer or Drain Backup

Provides $5,000 insurance coverage for damage caused by water that backs up from a sewer, drain, or sump.*

Outdoor Signs

Provides $7,500 insurance coverage for damage to your outdoor sign caused by a covered hazard.*

Liability Insurance

General Liability

For covered acts, provides insurance protection for damages legally owed to others as a result of your business operations. Choose one of four amounts of coverage to cover claims of the following: bodily injury, property damage, personal, and advertising injury.

Tenants Liability

Pays for property damage loss, for which you are legally liable, to premises rented to you, up to policy limits.

Medical Payments Coverage

Helps pay doctor bills for accidental injuries up to $10,000, even if the accident does not involve legal liability.

Optional Liability Coverages

Employee Benefit Liability

Covers you for financial loss related to private employee benefit programs due to administrator’s errors and omissions.

Non-Owned/Hired Auto Liability

Covers you for exposures due to non-owned or hired commercial autos when no other auto policy exists. (Not available in all states.)

Garagekeepers Insurance

Provides insurance coverage for damage to your customer’s auto when left in your care, custody, and control.

Liquor Liability

Provides insurance coverage for injury and damages you are legally liable for as a result of selling alcoholic beverages.

Talk to your agent about additional business insurance needs. Safeco has package programs, workers compensation, and commercial umbrella liability insurance to protect your business from the ground up.

*Basic coverage limit provided—additional coverage may be purchased.