Business Owners Insurance provided by Browne Insurance Services

Most businesses will need a business owner’s policy (BOP). A BOP combines business property, business liability and business income insurance in one policy.
Do I Need Business Insurance?

Businesses need business insurance because it helps cover the costs associated with property damage and liability claims. Without business insurance, business owners may have to pay out-of-pocket for costly damages and legal claims against their company. Depending on the incident, this could be a financially devastating scenario for business owners. In some states, businesses are required to have specific types of business insurance.

Click and learn about the risks​

BOP insurance will help keep you protected if your company has

Private customer data

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If someone steals or loses personally identifiable information, this can help pay expenses like notifying impacted clients and public relations.

Purchasing a BOP Policy is smart and convenient. It simplifies coverage needs by including business property insurance and business liability insurance. These are two important coverages combined into one.

No matter what type of business you own, BOP Insurance can be expertly tailored to your business. 

We are business owners just like you and can recommend coverages that fit your business needs. We will walk you through the whole process of selecting coverages that are right for you. 

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As an independent agency, Browne Insurance Services
Helps you find the right Medicare Inner Page Coverage
Contact Us
Palm Springs, CA
190 W Amado Rd Palm Springs, CA 92262
We extend coverage to individuals and businesses in Campbell, Palm Desert, Palm Springs, Pollock Pines, and Santa Clara areas.

Business Owners Insurance - General liability

Risk Factors

There can be a possibility that a visitor gets injured or gets their property damaged in your business premises.

Solution

Every business, even if home-based, needs to have liability insurance.  The policy provides both defence and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party.

Note:  Actual policies must be consulted for specific terms and conditions.

Business Owners Insurance - Property damage

Risk Factors

Your business property may get damaged by certain unexpected events like fire, explosion, hail, etc and cause you a great loss.

Solution

Properties covered by a business policy usually include buildings (owned or rented, additions or additions in progress and outdoor fixtures). The property insurance portion of a It is usually available as named-peril coverage, which provides coverage only for damage caused by events specifically listed in the policy (typically fire, explosion, wind damage, vandalism, smoke damage, etc.).

Note:  Actual policies must be consulted for specific terms and conditions.

Business Owners Insurance - Business Owners Policy (BOP)

Risk Factors

A business owner would require to take various types of insurance coverages to cover each risks. This can cost him more if he/she  take it separately.

Solution

A business owner policy packages all required coverage a business owner would need. Often, BOPs will include business interruption insurance, property insurance, vehicle coverage, liability insurance, and crime insurance. Typically, a business owner will save money by choosing a BOP because the bundle of services often costs less than the total cost of all the individual coverage’s.

Note:  Actual policies must be consulted for specific terms and conditions.

Business Owners Insurance - Cyber liability

Risk Factors

Cyber-attack on your computers can be harmful and you would become liable for the losses & expenses incurred.

Solution

Get coverage for computer attacks and damage to electronic data and computer systems. Also offset the effects of your database being hacked or getting a virus.

Note:  Actual policies must be consulted for specific terms and conditions.

Cyber Liability Insurance - Error & Omission liability

Risk Factors

There can be instances where the cyber-attack caused due to negligence of an employee which results in data breach.

Solution

This covers claims against the business arising from negligent acts, errors, or omissions such as the failure to protect sensitive data, the failure to provide notification of a data breach, or the failure to prevent a security breach that results in a DoS attack or the introduction of a virus.

Note:  Actual policies must be consulted for specific terms and conditions.

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