BUSINESS OWNERS POLICY

Let Us Handle Your Small Business Risk

At Spotlight Insurance, we understand that small business owners have a lot on their plate. Founded as a small business ourselves, we know that there aren’t enough hours in the day. That’s why we’ve made securing insurance as easy and as painless as possible for small business owners in Denver and beyond.

What is a Business Owners’ Policy?

A Business Owners’ Policy, or BOP, combines the major property and liability risks that small businesses face into one convenient policy. It helps small business owners save time and money, with lower premiums than purchasing individual coverages separately.

Flood insurance in Denver is available for homeowners, renters, condos, apartments, and commercial buildings. The building must be located in a community that participates in the National Flood Insurance Program (NFIP) to receive coverage.

A standard policy covers

  • General liability– This is designed to help your company when being sued for causing physical harm to a person or property damage. In addition to paying for damages, this policy can help cover your defense costs.
  • Commercial property insurance– This safeguards the building your business occupies, whether you own or lease the property. The policy also covers your business’ personal belongings, such as equipment, inventory, and furniture.
  • Business income coverage– This helps your business if it is unable to operate because of physical damage or loss to your business property from a covered cause of loss.

Let us find the right BOP for your needs in Denver and beyond.

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