BOP Policy

Business Insurance Options: What’s the Difference?

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We at Insurance Town and Country offer a LOT of different options when it comes to choosing business insurance for your company; between the different insurance brands, policy types, additions, exemptions, and exceptions, there are hundreds of possibilities for your company to choose and that can get confusing. We’re here to help organize a business insurance plan that makes sense for your company’s unique business needs, but we know you’d like to have an idea about what products and services you need. Below we have explained the differences between Commercial General Liability, Commercial Umbrella, and Business Owner’s Policies to help …

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Business Owners Policy: Combine and Save

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Any business owner will tell you that keeping all of the accounts in order can be a hassle that takes valuable time away from focusing on serving the customer. A Business Owners Policy (BOP) helps lasso your company’s insurance policies into a convenient package. A BOP can also help save your company money, much like when you bundle your personal home and auto insurance. With a Business Owners Policy, your company can bundle Commercial Property Insurance, Commercial General Liability Insurance, and Crime Insurance into a single BOP, your company can even include additional coverage options based on your …

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Smoking Marijuana Affects Insurance Rates

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The week of 4/20 is a very popular time here in Colorado. We at Insurance Town & Country want to ensure that our customers make good decisions.  Whether you are a company providing insurance to your employees or an individual updating your various insurance policies, you are probably curious to know how your insurance may be affected if you or someone covered by one of your policies smokes pot.

Let us begin by saying that every situation is different and we highly recommend that you contact us with questions, so that we can provide answers that are accurate to your …

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The Importance of Additional Commercial Liability

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You may have Commercial General Liability Insurance, but is it the right insurance?
Is it enough?

Keeping your business protected is a constant battle in today’s vicious lawsuit happy culture.  Your current Commercial General Liability Insurance probably protects your business when incidents happen as a direct result of your regular operations.  However, there are many situations that may require additional commercial liability policies.  This article will cover three of the additional commercial liability policies most frequently needed by small businesses.

Liquor Liability includes covering damages and injuries in which your business is held legally responsible as a result of serving liquor.…

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Business Insurance: Spring is Here, So Claims are Near

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For many businesses, Spring means the beginning of the season.  It doesn’t matter if you are a construction company, a wedding venue, or a traveling carnival, you need to be protected!  The agents at Insurance Town and Country know that to you, It’s more than a job—It’s your livelihood.  It’s also the livelihood of many of your employees and stakeholders.

We understand that different kinds of businesses need different kinds of business insurance, which is exactly why we offer several customizable policies to fit the specifics of your operation.  Below is a listing of our different kinds of business insurance …

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Business Interruption Insurance: When Disaster Strikes

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You have a great business. You are meeting your customer and clients’ needs and operations are running smoothly. Then disaster strikes. Lighting hits your building and destroys one of your machines or a snowstorm collapses your ceiling. What do you do now? Your Business Owners’ Policy may take care of the damage, but what about all of the income that you lose by not being able to produce?

The answer is Business Interruption Insurance or Business Income Insurance.
These policies protect you from losing the revenue that you would have received if your business had not been forced to stop due …

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What is a BOP Insurance Policy?

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Business Owners Insurance or a Business Owners Policy (BOP) is a customized type of insurance policy that combines Property Insurance, Commercial General Liability Insurance, and Crime Insurance, as well as additional coverage types based on your needs, making it one of the most important decisions a business owner can make. As a small business ourselves, we at Insurance Town and Country understand how important and exciting owning your own business is to our clients, which is why we often recommend a BOP Policy to protect their business against:

Products and Completed Operations Premises Liability Premises Medical Fire Legal Liability Business Income…

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