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Also known as a business owner's policy or BOP insurance, this includes general liability and business equipment coverage as standard.

General liability insurance covers third-party claims arising from bodily injury, as well as the associated medical bills. It also covers liability claims linked to damage of a third party’s property and more. Business equipment insurance covers all your business furniture and equipment at up to five different office locations which includes accidental damage as standard.

You should consider a business owners policy if you:

  • need general liability insurance coverage.
  • have business equipment such as computers, printers and furniture.
  • own the building at which you work and need to insure the property.
  • own and work with large amounts of data on a regular basis.
  • have employees that could act dishonestly or steal clients' property.

Customize your business owner insurance

Customize your business owner insurance coverage to suit your specific business needs with our range of upgrades including office insurance, hired or non-owned vehicle insurance, a commercial crime insurance package and an electronic data loss package.

Office insurance (optional)

If you own your office, you’ll likely need to insure the building against risks such as fires. Hiscox offers this protection, as well as business interruption coverage, which covers related expenses like lost income, up to the applicable policy limit if your business can’t operate because of an insured loss, such as a fire.

Hired or non-owned vehicle liability insurance (optional)

This upgrade protects your business in situations where an employee using their own (or rented vehicle) has an accident while driving for business purposes and your company is held liable.

Electronic data loss upgrade (optional)

If you work with a lot of electronic data, our electronic data loss upgrade is essential for you as a part of your business owners policy. Loss or damage to your data by a fire (which destroys your servers) or a computer virus could result in lost income, which is why we offer this upgrade.

Commercial crime insurance upgrade (optional)

Our crime package covers claims relating to acts of dishonesty, forgery or theft of a client’s property by one of your full-time or temporary employees.

Get a Business Owners Policy to Protect Your Small Business

A business owners policy, also known as BOP insurance, combines property insurance, liability insurance, crime coverage and additional protection into one convenient package.

What a BOP covers

Business insurance is a necessity for even the smallest company in order to protect and maintain its financial health. At Nationwide, we understand how important that is.

Business owners insurance from Nationwide offers coverage for businesses with fewer than 100 employees and less than $5 million in sales. Common BOP coverage includes:

  • Property insurance, which protects your building, equipment and inventory
  • Business income insurance, which covers lost income if your operations are suspended because of a covered loss
  • Equipment breakdown insurance, which protects you if your equipment is damaged from power surges, mechanical breakdown, burnout or operator error
  • Personal and advertising injury coverage, which covers copyright infringement, libel and slander
  • Bodily injury and property damage liability, which covers those instances when your employees, products or services cause harm to other people or their property
  • Medical payments coverage, which covers medical expenses resulting from injury to others on property you own or rent
  • Rented vehicle coverage, which provides liability coverage for autos that you lease, hire or borrow

BOP insurance from Nationwide

Our agents plan to work with you long term. We understand that your small business owners insurance needs will change over time, so we have regular insurance checkups, known as On Your Side® Reviews to make sure your business has the best protection possible.

As a Nationwide customer, you’re entitled to 24/7 claims service, superior customer support, free loss control information and the financial stability that comes with an A+ rating from A.M. Best.

Find out how to get BOP insurance tailored specifically for your business.

Products may be provided by Allied Insurance, a Nationwide company.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.


Two Critical Coverages. 
One Convenient Policy.

With one policy, your business is protected against fire, 
theft, lawsuits and more.

Business Coverage
The Hartford's Business Owner's Policy (BOP) combines two critical business insurance coverages: business property and business liability. With one convenient policy, you're protected against fire, theft, lawsuits and more. In addition, you can purchase optional coverages allowing you to tailor a policy that meets the unique needs of your business, today and as it evolves.

Business Property Insurance

The Hartford's property insurance can help protect the property your business owns, leases or rents, including things like buildings, equipment, inventory, furniture and fixtures. It provides coverage for damaged computers and media and loss of accounts receivable records.

Business Liability Coverage

When it comes to liability protection, the broader the coverage the better. That's why The Hartford's BOP insurance provides business liability insurance that covers your business in the event your business is responsible for causing harm to a person and/or damage to property. It also helps cover the cost of your defense.

Loss of Business Income

If unexpected events cause your operations to be suspended due to a covered cause of loss, The Hartford's BOP insurance will help replace any loss of income to help you meet your continuing financial obligations such as rent or payroll.

Data Breach Coverage

Offered as an optional coverage, data breach coverage provides you with access to professionals who can help you comply with regulatory requirements, provide guidance on how to help prevent a data breach and handle a breach crisis if one occurs. Response expense coverage can help to quickly restore confidence in your business or practice through notification to impacted individuals and can help pay for good faith advertising expenses, for example. In most states, coverage is also available for defense and liability expenses in the event you're sued because of a breach.

Employment Practices Liability Insurance (EPLI)

If you're a business that has employees, then you probably need insurance that helps protect you from employment related claims resulting from alleged or actual acts of:

  • Discrimination
  • Harassment
  • Retaliation
  • Violation of the Family Medical Leave Act
  • Wrongful discipline
  • Wrongful failure to promote
  • Wrongful termination

A Strike Force for When Disaster Strikes

When your business suffers a loss, nothing is more important than getting you back up and running. We have several regional claim centers staffed by claims professionals who specialize in property and liability claims, and our catastrophe team swings into action after natural disasters like hurricanes and earthquakes.

Contact us and see how we can save you money today!
Baldwin Insurance Agency
200 N. Jefferson Suite A
Kearney, Mo 64060
Phone (816) 628-0092
Fax (816) 635-9097

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