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Business Owner Policy :

If you own a small business or if you are considering going into business for yourself in the future, it's important for you to consider what unique risks this activity might bring into your life. There are many levels of insurance than can protect you from various business risks and, although they can be much more complex than personal lines of insurance, they are well worth taking the time to understand.

A standard business owner's policy (BOP) provides coverage for property (fire, wind, theft, etc.), liability (injury of someone in your business or by your product), business interruption, and, in some cases, workers' compensation. For eligible small and medium-sized businesses, a BOP is a comprehensive package that can be a potential bargain source of insurance.

Since you can't predict when you might be hit with a natural disaster or a lawsuit, purchasing a BOP is a good way to get basic coverage when you're starting your business. No matter how remote these risks may seem, just one hurricane or one personal-injury claim can make all the difference.

The following coverage is typical provided on standard BOP.
    • Property covers losses to your building and business property. You can choose the Standard Form ("named perils"), which covers losses from perils listed in the policy. If you'd like broader coverage - at a higher premium - the Special Form ("all risk") covers losses from all causes unless the policy specifically excludes them. Property coverage includes your building and premises, permanently installed machinery and equipment (heating and air conditioning equipment, etc.), and business personal property (furniture, business stock, and property stored off premises). You'll also have coverage against losses from crime (theft, forgery, counterfeiting, etc.) and for income lost when your business can't operate at full strength (Business Interruption).

    • Liability covers the legal liability of your business for monetary losses to third parties from a variety of causes:
      Bodily Injury: Repays visitors injured on your premises or customers injured by a product you manufacture or sell.
      Personal Injury: Covers violations of privacy, false imprisonment (for example, detaining a suspected shoplifter), wrongful eviction, etc.
      Advertising Injury: Pays for losses due to the written or spoken words of you or your employees (slander, libel, copyright infringement, etc.).

  • Optional Coverage For an extra premium, you can add such Coverage as:
    Employee Dishonesty: Covers losses to money, securities, and other property due to employee theft.
    Burglary and Robbery (added to the Standard Form): Covers loss or damage to your business personal property, including money and securities, on and off premises.
    Mechanical Breakdown: Covers property damage from the failure of boilers, heating and air-conditioning systems, or electrical equipment.
    Outdoor signs:
The options, features, deductibles, riders, and other choices associated with business insurance can stymie even a sophisticated entrepreneur. Picking the right kind of insurance is one of the most difficult tasks a small business owner faces. You will need to choose from hundreds of different classes of liability offered by the insurance industry, while selecting policies that fit your budget
 

Business Owner's insurance is a relatively one of the best purchases you'll make for your business. Please ensure you complete the quotation form below as accurately as possible. If you would rather speak to one of our representatives, Please Call (732) 521-3040 or e-mail: info@horizoncoast.com to setup a confidential consultation.

Completion of this form is for informational purposes only, and is just an estimate and is not a statement of contract. Coverage may not apply in all states. This WILL NOT result in a new policy, or change to an existing policy. For complete details of coverage, conditions, limits and losses not covered, be sure to read the policy, including all endorsements
   General Information
Name of Business:
Contact Name:
Address:
City:
  State:   Zip:
Day Phone:
  Night Phone:
Business Phone:
Fax:
Contact Email Address:
   Current Insurance Information
Company Name (not agency) :
Policy Expiration Date:
Premium Amount: $
  What type of coverage do you currently have:
Bond Commercial Umbrella Group Life
Commercial Auto Directors & Officers
      Liability
Professional Liability
Commercial Liability Disability Workers'       Compensation
Commercial Property Group Health Other 
   About Your Business
# of full-time
employees
# of part-time
employees
How long
in business
How many
locations
Annual
sales
years $
Please give a brief description of your business and cliental (below):
   Coverage Information
Bond Commercial Umbrella Group Life
Commercial Auto Directors & Officers
      Liability
Professional Liability
Commercial Liability Disability Workers'       Compensation
Commercial Property Group Health Other 
Please give any additional comments you feel appropriate for this quotation
 
 
     
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