Business Owner Policy Insurance

For general businesses, not for film & video production companies.

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Small Business Online Application

Small Business Downloadable Application

Other Business Types:

Ad Agency Application

Photographer Application

Consultant/Project Manager Application

Talent Agency Application

Quotes are complimentary. No Obligation.

Film Emporium offers cheap rates on quality Business Owner Policies (BOP). Business owners insurance serves the insurance needs of businesses rather than individuals.

Basic protection can include various types of insurance. This includes building and business personal property, business liability, fire legal liability, and workers compensation.

These are just a few examples. Allow us to advise you on a suitable program based on your needs. We advise that you consider Errors and Omissions and Directors and Officers- Employment Practices liability. This is especially important in today's legal climate.

A group of business people shaking hands.

Business Liability:

Protects your office operation from claims arising out of injuries to your clients or the general public, or from damage to the property of others. Protection extends up to your policy's limits. Included is coverage for premises-operations, products-completed operations, personal injury and advertising injury liability. Defense costs as a result of such claims are covered regardless of fault, in addition to your policy's limits.

Equipment Breakdown:

Protects insured’s against breakdowns of all kinds of equipment--including computers, scanning equipment, phone systems, communications systems, air conditioners, refrigeration systems and much more.

Fire Legal Liability:

You are protected from legal liability for damage caused by fire, lightning, or explosion to the premises you lease and occupy. This protection is up to $300,000 per occurrence. (As an option, the $300,000 limit per occurrence may be increased to $500,000 or $1 million.)

Building and Business Personal Property:

It is worthwhile to repair or replace your building and any equipment, stock, furniture, or fixtures that you own. The amount paid will not exceed the policy limit.

Business Income Interruption:

In the event of covered loss, this coverage will reimburse insurers for actual loss of earnings for up to 12 months. Even losses due to down-time or extra expenses needed to restore operations (such as additional property rental) are covered.

Money and Securities:

Your money and securities are protected up to $10,000 when deposited in a bank or savings institution. This protection extends to $5,000 if the money or securities are located off the premises. (As an option, the $5,000 outside limit may be increased to $10,000.)

Idenity Theft:

This enhancement protects the business owner(s) in the event of the theft of his/her personal identity.

Identity theft strikes millions of Americans each year and costs our economy billions. Financial institutions are usually responsible for stolen funds or fraudulent charges. However, identity theft victims often have to use their own finances to fix their credit history and identity records. Additionally, they have to spend time and energy to resolve the issue.

Workers' Compensation:

The program offers accessible and affordable Workers’ Compensation coverage to meet your needs as a small business owner. The program’s coverage is distinguished by expert underwriting, exceptional claims handling, and a variety of managed care and cost containment services, such as provider networks, nurse case managers and a Return-to-Work program.

Commercial Auto Coverage:

The program offers valuable enhancements to the Commercial Auto product, such as providing excess coverage for hired autos and extending legal liability coverage for negligent drivers.