At DiGiacomo & Associates, we are proud to provide the necessary insurance coverages for business owners throughout all of the communities we serve. Our independence allows us to thoroughly shop for the best deals for you at competitive prices. Therefore, we have combined numerous critical policies into one convenient package deal to adequately protect your small to medium sized business.
Business Owners Policy (BOP)
A comprehensive Business Owners Policy provides protection from various risk exposures by bundling policies together. Some of the coverages we include are:
- 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
Some examples of eligible businesses that could benefit from these coverages include florists, bakeries, restaurants, craft breweries, retail stores, and more – all of which can be customized. This broad liability and property coverage is essential for various types of businesses. However, in order to provide all of the necessary protections, allow our knowledgeable staff to evaluate your risk exposures in more detail. I like that restaurants is a link. Do you think it’s a good idea to make a link in this last sentence, too, to the quote form?
Commercial Package Policy (CPP)
The Commercial Package Policy policy provides only what is necessary for your growing business. A CPP consists of two or more policies that are packaged together, designed specifically for you. These policies include the same coverage forms that are used when separate policies are purchased, such as liability insurance, property insurance, business interruption insurance, and more. But, with a CPP you’re able to bundle coverage into one policy for both convenience and cost-effectiveness.
Some of the options we provide are as follows:
- General Liability to Cover the Costs of Litigation
- Buildings and Contents
- Property Off-Site
- Business Interruption
- Equipment Breakdown
- Valuable Papers and Data