Harris County Insurance

Baytown Agency
608 Rollingbrook Drive
Baytown, Texas 77521
(281) 427-6511
Pasadena Agency
825 Southmore Ave
Suite 202
Pasadena, Texas 77502
(713) 481-0700
Houston Metro Agency
4221 Telephone Road
Houston, Texas 77087
(832) 500-3666
(713) 641-1234
Houston Agency
13030 Woodforest Blvd
Suite C
Houston, Texas 77015
(832) 582-8500

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Commercial Trucking | Group Insurance | Business Owner's Policy (BOP) | Workers Compensation | Commercial Property & Liability  | Specialty Liability | 

BOP - Business Owners Policy

A BOP is a package policy typically combining General Liability and Property Insurance, along with other optional coverage, for small to medium sized businesses in lower risk businesses classes. A BOP may be available depending on the type of business, annual sales, number of employees and other factors.

A BOP typically includes General Liability to cover your baytown-commercial-insurance.php liability and property insurance for physical assets, such as contents, that are leased or owned. The package insurance policy may also cover loss of business income and extra expense resulting from a covered loss.

The General Liability insurance coverage of a BOP is comparable to a typical Commercial General Liability (CGL) policy, providing protection against claims of bodily injury or property damage for which your business may be liable.

The General Liability portion typically provides liability insurance for the cost of defending lawsuits stemming from:

  • Accidents that cause bodily injury and/or property damage.
  • Claims such as libel and slander.
  • False advertising

*General Liability insurance does not cover errors or negligence from professional services.

A BOP policy may include, or you may be able to select as an option;

  • Outdoor Sign Insurance
  • Money and Securities Insurance
  • Employee Dishonesty Insurance
  • Water Back Up Insurance

Not all businesses are eligible for a BOP policy. If you business has any of the following characteristics you may not be eligible for a BOP. But don't worry, we can assist you with obtaining other forms of baytown-commercial-insurance.php insurance. Characteristics typically not eligible for a BOP policy include:

  • Large Premises Operations
  • High risk or highly specialized operations
  • Majority of business conducted off-premise
  • Requires liability limits higher than offered with a BOP

Typically a BOP policy is very competitively priced, however remember the BOP does not provide coverage to items such as Workers' Compensation, Professional Liability Exposures or Commercial Auto Insurance.

Please contact us to review the best type of policies available for your business or click here to request a quote via our Business Insurance Quote Center.





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Copyright @ 2007 Harris County Insurance Center - All Rights Reserved
Offices in Houston, Baytown, and Pasadena Texas.
Note: As stated in our "Terms of Service" (TOS) agreement, descriptions of insurance coverage on this web site are for informational purposes only and may not apply, or be included on your policy. Please contact us to confirm coverage provided on your insurance policy or policies your are contemplating purchasing.