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What is a business owners policy?

 Business Owners Policy (BOP) from Kerr Insurance Brokers, Inc. allows your business to create a customized insurance policy that combines Property, Commercial General Liability, and Crime Insurance, as well as additional coverage types based on your needs.

The proper Business Owners Policy can keep your day-to-day operations protected with options such as:

  • Products and Completed Operations

  • Premises Liability

  • Premises Medical

  • Fire Legal Liability

  • Business Income Insurance

  • Building and Personal Property Protection

  • On-Site Equipment Insurance

  • Coverage for Inventory Loss

  • Crime Insurance

Find Out if Your Business is Eligible
Since Business Owners Policies apply only to special types of businesses with specific needs, operations, and risks, it’s important to contact a specialist at Kerr Insurance Brokers, Inc. who can help you determine whether a BOP is right for your small or medium-sized business.

What does property liability insurance cover?

General Liability Insurance Covers

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

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.

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.


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 Covers

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.

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.

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.

Can I customize my insurance policy?

Yes. Your property and liability insurance policy can be customized by adding an endorsement. An endorsement can either enhance or modify the coverage, depending on your requirements.


Don’t know what you need? Your Kerr Insurance agent is available to help you figure out which of these endorsements is right for you:

Industry Endorsement: Depending on the industry you’re in, there are specific insurance needs that can 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 property and liability 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.

How can I reduce my business insurance costs?

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


By workign with an independent insurance broker like Kerr Insurance Brokers in Fresno, CA.
By working with an independent supplier of property and liability insurance, you’re avoiding unnecessary 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 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 often can be increased.

Packaging Your Insurance

When you package your insurance with Kerr Insurance Brokers you will save up to 20% on your insurance premium. More here

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