Is Your Business and Business Personal Property Protected From Unexpected Claims?

Our sole mission is to give small business owners like you top-tier, yet cost-effective, insurance options. We sell our business owners insurance policies directly to you, online or over the phone. Your choice. Either way, you’ll be saving up to 20% compared to other companies. There’s no middleman or unnecessary fees, just an insurance policy and an insurance company here to make sure your small business is covered.

Your Coverage is Broader

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More potential insurance claims are protected by a single policy.

Managing Your Policy is a Breeze

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Submitting claims is simpler because more concerns fall under this one policy.

You Could Save Money

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What Does Business Owners Insurance Include?

General Liability Insurance Typically Covers:

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  Property Damage.When customer property is damaged by an employee, your coverage may help pay for repairs or replacement.

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  Bodily Injury.If someone other than an employee is injured on your property, this coverage can help with medical expenses plus legal expenses and damages.

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  Product Liability.If products developed or sold by your business harm people or property, this coverage could help pay legal expenses associated with product liability lawsuits and medical expenses if an injury occurs.

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  Libel, Slander, and Copyright.This coverage helps protect you against some lawsuit expenses from personal and advertising injury. Advertising injury can include disparaging another business in your advertisements, stealing an advertising idea, and more.

Property Insurance Typically Covers:

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  Your Building or Leased Space.This coverage provides protection for the building you own or even a building where you are required to provide insurance coverage as part of the lease.

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  The Contents of Your Building.Property insurance can cover inventory, equipment, or tools and other people’s property in your building that has been damaged by an employee, yourself, theft, natural disaster, or weather.

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  Income From Your Business.In the event of a disruption or property damage, you may be covered for the expenses needed to resume business, including covering net income, payroll costs, and even temporary business relocation.

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Can I Customize My Policy?

Yes. Your business owners policy can be customized to address your commercial property, business personal property, or liability needs by adding an endorsement. An endorsement can either enhance or modify the coverage, depending on your requirements. Don’t know what you need? Our licensed experts are available to help you figure out which of these endorsements is right for you:

Industry Endorsements

Depending on the industry you’re in, there are specific needs that arise as part of conducting business. For example, a restaurant industry endorsement might cover food spoilage. A retail store endorsement might cover expenses from having to withdraw merchandise. A hotel or motel endorsement might increase coverage for outdoor fences and signs.

Risk-Specific Endorsements

Some businesses have inherent risks beyond what’s usually covered in a business owners insurance policy. There are dozens of risk-specific endorsements that can add an extra layer of protection when needed, like cyber coverage, garagekeepers’ legal liability, miscellaneous professional liability (E&O), and more.

Increased Coverage Limits

If you want even greater security and protection, standard coverage limits can often be increased.

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How can I Reduce Costs?

Business owners insurance is very affordable. Even so, there are steps you can take to lower your insurance costs, including:

Choose biBERK

By working with a direct supplier of business owners insurance, you’re avoiding broker fees and other charges. Plus, our experts can help review your policies annually to ensure you have the right amount and type of coverage.

Save on Billing Fees

Pay your annual business owners insurance premium in full, or sign up for automatic payments at the beginning of the policy.

Actively Manage Risks

Prevent slips and falls (the most common general liability claim) by instructing your employees to maintain a clean environment. You can also manage risks by ensuring your employees are up to date on any necessary training—like how to properly operate machinery, for example.

Protect Your Property

If you want even greater security and protection, standard coverage limits on your business owners insurance often can be increased.

How Much Does Business Owners Insurance Cost?

 

Calculating Your Premium

All of these factors are considered when calculating your premium:

• Business activities
• Number of employees
• Annual revenue
• Condition and size of your properties
• Industry
• Number of years in business
• Claims history

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