Business Owner's Policy Insurance

A policy from HVCU Insurance Services, powered by InsureOne®, can safeguard your property and protect your business from the unexpected. 

Minimize Loss and Continue Business Operations

Provide a buffer for your business with a Business Owner’s Policy (BOP). This type of coverage combines property and liability insurance into one complete business insurance policy.

A BOP policy typically contains two primary coverages:

General Liability
Includes protection against third party liability claims that arise from bodily injury, property damage, and/or personal injury. This can also include liabilities from advertising or marketing injury.

Commercial Property 
Includes coverage that safeguards a commercial building that you rent or own for business use. Protects your physical space and its contents.

Save Time with One Extensive Business Insurance Policy

Why Would You Need a Business Owner's Policy?

Many if not all businesses need general liability insurance and commercial property insurance to cover potential claims or damage that arise from accidents or business operations. A Business Owners Policy (BOP) simplifies your coverage into one easy-to-manage policy by combining business property and business liability insurance. Here are some reason to consider a Business Owner's Policy:

  • You rent or own a physical business location
  • There’s a possibility of you being sued because of injury at your physical location or injuries due to operational activities
  • You have employees that could be injured accidentally or cause property damage
  • Your business has inventory that could be stolen or damaged
  • You handle private customer data

Custom Insurance Policies for 
Your Business at Affordable Rates

HVCU Insurance Services, powered by InsureOne®, can help build a personalized insurance package for you, your employees, and your business. A licensed agent can walk you through the coverage options to ensure everything continues to remain business as usual.

What Affects Your Rates?

  • The type of coverage your business needs
  • Industry type
  • Your claims history
  • Exposure to risk

Defend Your Business from Potential Claims or Damage That Arise from Business Operations

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Important Legal Disclosures & Information

Insurance products offered through InsureOne Insurance Services America, LLC and its affiliated companies identified on Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities; 3) involve investment risk, including possible loss of value. Insurance products not available in all states. Actual policy premium may vary based on driving records, garaging address, vehicle type, insurance coverage selected, and other underwriting factors. Other rates, service fees, restrictions, and charges may apply.