Alliance Core Insurance Services

Business Owners Policy

Business Owners Policy - Complete protection for retail stores and shops

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Comprehensive Retail Business Protection

A Business Owners Policy (BOP) combines essential coverages into one convenient package designed specifically for retail businesses. Get the protection you need at a lower cost than purchasing policies separately.

What's Included in a BOP?

Property Insurance

Covers your building (if you own it), inventory, equipment, furniture, and fixtures against fire, theft, vandalism, and other covered perils.

General Liability

Protects against customer injuries, slip and falls, and property damage claims at your retail location.

Business Interruption

Replaces lost income and covers ongoing expenses if you must close temporarily due to a covered loss.

Equipment Breakdown

Coverage for mechanical and electrical equipment failures, including HVAC, refrigeration, and computer systems.

Optional Coverage Enhancements

  • ✓Product Liability: Protection if products you sell cause injury or damage
  • ✓Employee Dishonesty: Coverage for employee theft and fraud
  • ✓Money & Securities: Protection for theft of cash and checks
  • ✓Cyber Liability: Coverage for data breaches and cyber attacks
  • ✓Employment Practices Liability: Protection against wrongful termination and discrimination
  • ✓Sign Coverage: Protection for outdoor signs and displays
  • ✓Glass Coverage: Replacement of broken windows and glass fixtures
  • ✓Accounts Receivable: Coverage if customer payment records are destroyed

Retail Businesses We Cover

●Clothing & Apparel
●Electronics Stores
●Gift Shops
●Bookstores
●Sporting Goods
●Hardware Stores
●Jewelry Stores
●Pet Supply Stores
●Furniture Stores
●Florists
●Home Goods
●Specialty Retail

Common Retail Risks

Customer Injuries: Slip and falls, product-related injuries, and on-premise accidents

Theft & Burglary: Shoplifting, break-ins, and employee theft

Product Liability: Claims from defective or harmful products sold

Property Damage: Fire, water damage, vandalism, and natural disasters

Data Breaches: Customer payment information and personal data theft

Business Interruption: Lost income from forced closures

Why Choose a BOP?

✓Cost Savings: Bundled coverage costs less than separate policies
✓Convenience: One policy, one renewal date, one payment
✓Comprehensive: Covers most common retail business risks
✓Customizable: Add coverages as your business grows

Affordable Protection

BOPs are designed for small to medium-sized businesses, offering comprehensive coverage at competitive rates.

Expert Guidance

Our specialists will help you choose the right coverage levels and optional add-ons for your specific retail business.

Fast Claims Service

Quick claims processing to get your business back up and running with minimal disruption.

Flexible Terms

Payment plans and policy terms designed to fit your business cash flow and needs.

Get Your Retail BOP Quote Today

Protect your retail business with comprehensive, affordable coverage.

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