Running a business comes with enough challenges. Your insurance coverage should not be one of them. At Mountain Lakes Insurance, we help simplify protection for Woodstock-based businesses with a Business Owners Policy, also known as a BOP. This convenient policy bundles essential coverages into one package, making it easier to manage your insurance while ensuring your business is properly protected.
A BOP is ideal for small to mid-sized businesses that need both property and liability coverage. It is designed to meet the needs of specific industries, offering flexibility and affordability in one streamlined solution.
What Does a Business Owners Policy Include?
A standard BOP combines two major types of coverage:
General Liability Insurance
Protects your business from claims involving bodily injury, property damage, and personal or advertising injury.
Commercial Property Insurance
Covers your building, equipment, inventory, and other physical assets in the event of fire, theft, or other covered losses.
Many carriers also offer customizable options that allow you to tailor your policy to your business operations. These may include:
- Errors and Omissions (E&O)
- Data Breach and Cyber Liability
- Employment Practices Liability (EPLI)
- Business Income and Extra Expense
- Liquor Liability
- Water and Sewer Backup
- Hired and Non-Owned Auto Liability
What Is Not Covered by a BOP?
While a BOP offers broad protection, it does not include every type of business insurance. You will need separate policies for:
- Workers Compensation
- Commercial Auto Insurance
- Professional Liability (if not included as an endorsement)
Our team can help you identify any gaps in coverage and recommend the right combination of policies to fully protect your business.
Tailored Coverage for Woodstock Businesses
Every business is different, and your insurance should reflect that. Whether you own a retail shop, restaurant, office, or service-based business, we can help you build a BOP that fits your specific needs. Our agents work with multiple carriers to find competitive rates and coverage options that align with your goals.
Located in downtown Woodstock, Mountain Lakes Insurance is proud to serve local business owners with personalized service and trusted advice. We are here to help you protect what you have built and give you one less thing to worry about.
Frequently Asked Questions
Yes. Many local businesses like boutiques, cafes, and service providers benefit from the bundled coverage a BOP offers, especially when they operate from a physical location.
See what independent coverage can do for you
Whether you're comparing quotes or have questions about your current policy, we're here to help. Use the online tool below to explore your insurance options at your convenience, or give our Woodstock office a call to speak directly with a local agent who understands your needs. At Mountain Lakes Insurance, we make it easy to find the right coverage with the personal touch you deserve.
