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.
Coverage and eligibility
Do I need a BOP if I rent my business premises?
Your landlord’s building policy does not replace insurance for your own equipment, stock, improvements or liability. List the property you own and the improvements you paid for, then share your lease requirements. A BOP can be a useful starting point for an eligible tenant business; the lease and policy wording still need to be reviewed together.
Is a BOP the same as general liability insurance?
General liability addresses covered claims alleging injury to other people or damage to their property. A BOP packages liability with business property protection and usually business income coverage. If you have equipment, inventory or a physical workspace, compare the package with liability-only coverage before choosing on price.
Can a business with several locations qualify?
Tell us about every address and what happens there. Eligibility, limits and location scheduling depend on the carrier and operations. Provide building and contents values for each location, identify leased versus owned premises, and disclose storage sites. A commercial package may be more suitable when a standard BOP cannot accommodate the account.
Does business income insurance cover every interruption?
No. The coverage trigger matters. Business income commonly responds when covered property damage interrupts operations, subject to the policy’s waiting period, limits and restoration provisions. A decline in sales by itself is not the same as a covered loss. Ask about extra expense, dependent properties and any extended business income protection you may need.
Exclusions and optional protection
Are flood and earthquake included?
Do not assume they are included in the basic package. Ask for a separate review of flood and earthquake exposures and any available policy or endorsement. Confirm the actual terms, deductibles and limits offered for your address; a property policy’s general description is not proof that every cause of loss is covered.
What about employee injuries, vehicles and professional mistakes?
Workers’ compensation, owned commercial vehicles and professional services require their own coverage review. Some programs offer selected endorsements, but those do not automatically replace a dedicated policy. Explain your employees’ duties, vehicle use and professional services so the complete insurance program can address those exposures.
Is equipment breakdown or spoilage automatic?
Availability and scope vary. A refrigerator’s mechanical failure is different from fire damage to the same refrigerator. If your revenue depends on refrigeration, production machinery or heating and cooling equipment, request a review of equipment breakdown, spoilage, utility interruption and any applicable sublimits or waiting periods.
Will a BOP cover cyber incidents or employee theft?
Cyber, crime and employee dishonesty coverage may be available by endorsement or separate policy. Review what is actually included, the applicable limits, deductibles and conditions. Tell us if you accept online payments, hold customer information, transfer funds or allow employees to handle cash so those exposures are included in the discussion.
Limits, contracts and cost
How should I choose property limits?
Prepare a replacement-value inventory of equipment, furniture, stock and tenant improvements. Include peak inventory and any building you want insured. Purchase price, book value and current replacement cost may differ. Ask your broker to review valuation, coinsurance or insurance-to-value provisions, and sublimits before selecting the requested amounts.
Can you review my lease or certificate requirements?
Yes—provide the insurance section of your lease or contract with your request. We can review requested limits and additional insured wording with the available carrier options. A certificate summarizes coverage; it does not create an endorsement or change a policy. Any required wording must be confirmed in the actual coverage offered.
Is a BOP always cheaper than separate policies?
A package can offer useful value, but savings are not guaranteed. Compare the same property values, liability limits, deductibles, endorsements and policy period. A lower premium may reflect a narrower policy or a larger amount you retain after a loss. The cost guide explains the details to compare before deciding.
What information changes the price?
Your operations, premises, property values, claims history and requested coverage all matter. Two businesses with similar revenue can have very different risks. Describe any cooking, off-site work, products, customer traffic, high-value stock or multiple locations, and provide current policy information when available. That helps the broker request more relevant terms.
Getting a quote and starting coverage
What should I gather before requesting a quote?
Start with your legal business name, address, contact details and business activity. Then gather estimated sales, payroll, property values, building details and prior insurance or loss information. Your current declarations page, loss runs and lease requirements can help identify missing information. You can start the request while gathering those documents.
Can I upload my current policy for review?
Yes. Use the existing BOP form to attach supporting documents after entering your business name and email. It accepts up to five files, up to 15 MB each. Continue into the BOP application to review business details, property and insurance history. Review any imported information before relying on it in your request.
Does submitting the application mean I am insured?
No. The form starts a quote request. A broker must confirm available terms and explain any remaining underwriting or binding requirements. Coverage starts only as confirmed in the binder or policy. Do not cancel existing insurance based only on an application submission or an estimated price.
What if my business does not fit a standard BOP?
Tell us about the exposure rather than leaving it out of the application. A separate property and liability placement or commercial package may be appropriate. We can review alternative market options for the actual operations and location. Eligibility and available terms must be confirmed by the insurer.
Prepare for a useful coverage review
- Current declarations page and endorsements
- Sales, payroll and description of operations
- Building, contents and inventory values by location
- Building age, roof and system updates, and protection details
- Prior loss information and corrective measures
- Lease, lender or customer insurance requirements
Request my BOP quote
