Business Owners Insurance

Business Owners Insurance Policy Collinsville & Edwardsville, IL

Running a small business involves a significant investment in time and money. Business owners insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster. Unless you are an employer, business insurance is generally not required by law, however, it is common practice to purchase enough insurance to cover your assets. If your business is an LLC or a corporation, your personal assets are protected from business liabilities; however, neither business structure is a substitute for liability insurance, which covers your business from losses.

  • Property Claims
  • Equipment Breakdown
  • Income Loss
  • Professional Liability
  • Products and completed operations claims
  • Fire legal liability claims
  • Premises liability claims

A business owners insurance policy will combine property, liability and business interruption coverage all in one easy policy for small to medium-sized businesses. By packaging these coverages together, you will generally see a discount in your premium.

Business owners insurance can offer you complete coverage for your medium to small businesses. This is best suited for companies with less than 100 employees and less than $5 million in revenue. A business owners policy, also known as BOP insurance, combines several types of insurance together into one cost-savings package. With completely customizable coverage options, we can fit the package to your specific needs.

With a business owners policy, your small business can get property insurance, liability insurance, and additional protection all in one place. Small business owners insurance coverage will protect you from:

  • Property claims
  • Equipment breakdown
  • Income loss
  • Professional liability claims
  • Products and completed operations claims
  • Fire legal liability claims
  • Premises liability claims

Supplemental coverages are also available.

Get A Quote For Your Business Insurance Today

Our licensed staff is ready to help you get multiple business insurance quotes. Because we’re an independent insurance agent we can shop from multiple insurance companies to help you find the right coverage at the right price.

Frequently Asked Questions

Who needs business Owners insurance?

If you own a small business with commercial property and equipment, a business owners policy (commonly known as a BOP) might be well suited for you. If you do not own property, you can buy individual business insurance policies instead.

How do I get a business owners insurance quote?

A business owners insurance quote can easily be obtained from a licensed agent in our office. You can request a quote using the form below, or contact

What does business owners insurance cover?

Business owners insurance protects small businesses from liability claims and offers protection for your buildings, equipment and inventory. Additional coverages are available.

How Much Is Business owners Insurance?

The cost of a business owners insurance policy is impossible to guess. To get an accurate quote we will need to value your property, equipment and determine what coverages you’ll need. The cost of business owners insurance varies greatly from business to business, but quotes are easily obtained from a licensed agent in our office.

Get a Quote

Advantage Insurance represents the top-rated insurance companies in New Hampshire, Massachusetts, Maine & Vermont. We will compare pricing and coverage options finding you the best policy for your needs. Call us at: 603-262-3300 or click the button below to send us a message for your quote.