Running a business requires vision and passion. Whether you own a boutique, work as a real estate agent, or manage a growing consultancy, one unexpected incident can put everything at risk. That’s why you need a policy that protects everything you’ve built.
The Ingram Agency makes it easy for you to get the robust coverage you need – without paying for things you don’t. Our business owners policies bundle several essential protections into one convenient, cost-effective package.
What Does a BOP Include?
A BOP combines multiple coverages into a single plan tailored to your business. Instead of juggling separate contracts or parsing documents full of industry jargon, you get a streamlined safety net.
- General liability: Protects you from lawsuits and claims related to bodily injury or property damage that happen because of your business operations, services, or products.
- Commercial property: Covers damage to your building, equipment, inventory, furniture, and signage due to fire, theft, vandalism, and other risks.
- Business interruption: Covers lost income if your business must temporarily close due to an unexpected event like a fire or natural disaster. It can also pay for relocation and ongoing expenses during your downtime.
- Workers’ compensation: Provides coverage for medical costs and lost wages for employees injured on the job. In Tennessee, it’s a legal requirement for many employers.
- Errors and omissions: Protects against lawsuits claiming negligence, mistakes, or failure to perform services as promised. You need this policy if your work involves providing expertise or services.
Why Your Business Needs a BOP
Small business owners face risks daily. Even a minor mishap can cost thousands if you lack coverage. A BOP protects you from threats while simplifying your insurance.
1. Financial Security
Accidents, lawsuits, and disasters can all cause massive financial strain. A BOP covers those costs so your business can keep going.
2. Peace of Mind
With insurance in place, you can focus on your goals and revenue – not the “what-ifs.”
3. Legal Compliance
Depending on your industry and location, you may have a legal obligation to carry workers’ comp or other insurance. A BOP helps you stay compliant and avoid penalties.
4. Business Continuity
When disaster strikes, a BOP helps you recover quickly – repairing damage, covering lost income, and keeping your business on track.
Why Choose The Ingram Agency?
Our founder, Chris Ingram, knows how much time and dedication you’ve put into starting and growing your small business. He’ll work closely with you to craft a policy that fits your risks and goals, providing valuable advice based on his experience in the field.
With connections to top-tier carriers and specialty programs, we make sure you get top-to-bottom coverage at a competitive price. And because we stay close to our clients, we’re always ready when you need us.
Don’t make a mistake that could cost your livelihood. Reach out to us today to build a business owners policy that works as hard as you do.