The Foundation of Your Coverage Program
General liability and property coverage structured around your actual exposure.
A Business Owners Policy combines third-party liability and physical asset coverage into a single program. Whether a BOP is the right structure depends on how your firm actually operates. We review that before making any recommendation.
Talk to UsCoverage Overview
What This Coverage Is Intended to Cover
General Liability
Responds to third-party bodily injury and property damage claims. Subject to policy terms and exclusions.
Commercial Property
Covers your physical space, equipment, and business assets against covered causes of loss.
Business Owners Policy
Combines both into a single policy. We review whether a BOP or standalone policies are more appropriate before going to market.
When to Consider It
Where This Coverage Tends to Be Relevant
Design & Professional Firms
Many contracts reference GL requirements before work begins. A BOP may address that baseline with property protection included.
Contractors & Trades
On-site operations carry third-party exposure daily. Subject to covered operations and policy terms.
Business With Physical Assets
If your operation depends on a physical space or equipment, commercial property is designed to help address the financial impact of a covered loss.
Key Considerations
A Few Things Worth Reviewing
BOP vs. Standalone Policies
Responds to third-party bodily injury and property damage claims. Subject to policy terms and exclusions.
Limits and Endorsements
BOP limits are generally lower than standalone policies. If your contracts reference higher limits, excess or umbrella coverage may be worth reviewing alongside it.
What Is and Is Not Covered
GL and property policies contain exclusions worth understanding before a claim arises. We review those against your operations before anything is placed.
Carrier Selection
We approach markets familiar with your operations, not standard placements that treat every business the same way.
Our Process
Deliberate at Every Step
Step 1
Understand Your Operations
Your business type, physical footprint, and contract requirements inform how coverage should be structured.
Step 2
Approach the Right Market
We approach carriers familiar with your industry and operations.
Step 3
Walk You Through It
Before anything is placed, you will know what the policy is designed to address, what it excludes, and how it fits your broader program.
Worth Knowing
Questions That Come Up Often
Does a BOP cover professional liability?
A BOP combines general liability and commercial property into a single policy with simpler administration. Standalone policies offer greater flexibility in limits, endorsements, and carrier structure. The appropriate approach depends on how your operations are structured.
What's the difference between Umbrella and Excess Liability?
A standard BOP is generally intended for general liability and property exposures rather than claims tied to professional services, advice, or deliverables. Professional liability is typically structured separately. Most firms providing professional services carry both depending on their operations.
Do I need property coverage if I lease my office space?
Commercial property coverage may still apply to business personal property such as equipment, furniture, fixtures, and other assets within a leased space. Lease agreements may also include property insurance requirements depending on the arrangement.
Often Considered Alongside
What Firms Typically Review Together
Workers' Compensation
For covered employee injuries tied to work. This can include office injuries, travel-related work injuries, or incidents during job site visits.
Professional Liability
Helps respond when a client alleges your professional services caused a financial loss, project issue, or other damages.
Umbrella Liability
Sits above multiple underlying policies and responds when primary limits are exhausted.
Excess Liability
Extends the limits of a single underlying policy without changing its terms.
Project Specific Professional Liability
A standalone policy covering one project under its own limit, separate from your annual program.
Cyber Liability
AEC firms carry more data exposure than most expect. Responds to costs from a covered cyber incident.
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