If you own a business in West Virginia, you understand that one of your responsibilities is to secure commercial insurance. If you’re based in the Parkersburg, WV area and have questions about your company’s commercial insurance needs, our agents at Curtis Miller Insurance are ready to meet with you to discuss our available insurance options. We’ve been serving commercial clients in your area since 1962.

What is a BOP – Does My Company Need One?

Many commercial insurance clients today find purchasing a BOP (Business Owners’ Policy) advantageous instead of buying separate commercial policies for liability, property, and business interruption insurance. Since these are the most frequently purchased commercial policies, they are combined into one unified policy. According to Investopedia, most BOP policies require businesses to meet specific criteria to qualify for their purchase.

The property portions of a BOP provide coverage specifically for events named in the policy guidelines (such as fire, explosion, or wind damage). This property portion may also cover items owned by a third party but kept in the custody of your company (for example, rented or leased computer or office equipment). The liability portion of these policies will cover your company’s liability for damage you may have allegedly inflicted on clients or collaborating companies.

Contact Us Today for Your Appointment

Whether you feel that a BOP is the right option for you or you might benefit from separate commercial policies, our agents can help you explore all your available options. Our team at Curtis Miller Insurance is an independent insurance company with a wide range of insurance options to offer you. Commercial clients in Parkersburg, WV, can trust our agency to meet their insurance needs. Call us for an appointment today to discuss our full range of commercial insurance options.