Business Owners Policy: Real Claims Examples
Quick Answer
Real-world Business Owners Policy claim scenarios showing what was covered, how much was paid, and lessons for business owners.
Comprehensive FAQ, cost guide, and claims examples for business owners policy (BOP) insurance — bundled property and liability coverage for small businesses.
Coverage Summary
A Business Owners Policy (BOP) bundles general liability and commercial property coverage into a single policy for small businesses, often at a lower cost than purchasing separately.
Customer Slip-and-Fall
Industry: Retail
A customer slipped on a wet floor in a small retail store, resulting in a broken hip.
Claim amount: $85,000
Outcome: The BOP liability coverage paid medical bills and settlement costs.
Lesson: Regular safety inspections and maintenance logs reduce slip-and-fall claims.
One application. A coordinated coverage review.
Protect the business you have built with a package designed around your property, operations and insurance requirements. Casurance helps eligible businesses compare BOP options and identify coverages that need a separate policy.
Protect what you own
Schedule your building, tenant improvements, equipment and inventory around the cost to replace them. Review deductibles, valuation and limits before a loss.
Prepare for customer claims
General liability can help with covered claims alleging customer injury or damage to someone else’s property. Tell us about your operations and contract requirements.
Plan for an interruption
Business income and extra expense may help after covered property damage interrupts operations. We review the loss trigger, waiting period and restoration period.
Compare the details that matter
- Premises and contents: Owned or leased space, tenant improvements, inventory peaks and replacement values.
- Limits and contracts: Lease or lender requirements, additional insured requests and certificate wording.
- Optional protection: Equipment breakdown, spoilage, crime, cyber and hired/non-owned auto, where offered.
- Separate coverage needs: Workers’ compensation, owned commercial vehicles, professional liability, flood and earthquake require their own review.
Carrier options and specialty markets
Request a review of available options from Travelers, Chubb, CNA, Berkshire Hathaway GUARD and AmTrust. Vantage is included for specialty property review when a standard BOP is not the right fit. Availability depends on the business, state and underwriting. Carrier logos do not guarantee eligibility or a quote.
Move from request to coverage
- Start with business and contact details.
- Complete the existing three-step BOP application with operations, property values and insurance history.
- Review available terms with your broker before requesting binding.
Continue my BOP application or call 1-888-254-0089.
