business owners policies (BOP)

It’s not just mom & pop shops that benefit from BOPs.

A “BOP” is a business owners policy. BOPs offer small business owners a suite of coverage including property, liability, and business income insurance. The nice thing about a BOP is that it offers small businesses the convenience of having one policy plus savings thanks to premiums that can be significantly lower than the cost of purchasing each type of insurance separately.

We have insured business owners in New Jersey, Pennsylvania, and Connecticut, including companies and organizations in Mercer, Middlesex, Monmouth, and Ocean Counties, as well as Bucks County, PA — and we’d like to help you with a BOP plan.

We’ll help you sort out all your “BOP-tions.”

BOP policies are popular with the following types of businesses: bakeries, delicatessens, printers, and retailers. As an independent insurance agency, Martin works with several insurance companies that offer business owner policies across a broad spectrum of industries.

Within these industry-specific programs, we can provide expanded liability options, depending on the business or professional niche. Some of our partners also offer business income coverage, equipment breakdown insurance, crime insurance, hired and non-owned auto insurance, coverage for outdoor signs, money and securities, and inland marine insurance.

Of course, we can also provide you with coverages that go beyond a BOP policy, such as flood and earthquake insurance. We can even augment your insurance program with workers compensation coverage.

Call now to speak with a representative about personal insurance. Martin has the experience and expertise to protect you, your family, and your possessions. We invite you to find out more about the difference we can make in insuring what’s important to you. Please click here for a quote or give us a call at 800.353.5000.

Q. Why do I need business owners insurance?

A. If you own or are thinking about starting a business, having insurance coverage should be one of your top priorities — right after incorporation and a business plan.

Without specialized business coverage like a BOP, everything you put into a business could easily be wiped out with one accident, law suit, or other unplanned hardship. The Martin Insurance Group can help you assess your needs and get the right business insurance for your organization. Whether it’s as simple as a general liability insurance, or specialized industry coverage like bakery insurance or even cyber liability coverage, we can help.

Q. Why should I buy business owners insurance from you?

A. Martin Insurance Group works with hundreds of New Jersey, Pennsylvania, and Connecticut businesses of all sizes, in a diverse range of industries. Chances are, we have helped insure businesses similar to yours before ...READ MORE, so we know the ins and outs of your industry. What’s more, we have been selling insurance since 1983, and are a stable company you can trust.

Here are some additional reasons customers trust us for their commercial insurance needs:

We could save you money.
As an independent insurance agent, Martin isn’t tied down to one solution. We can compare policies and pricing on coverage such as general liability, workers compensation, and business umbrella insurance from a variety of providers and help you choose the one that’s right for your business’ unique needs.

We might even recommend one business insurance provider for part of your coverage and another for other coverage – whatever makes the most sense.

We stay on top of the paperwork.
With all that you have going on, it’s easy to forget to file or renew coverage. So Martin has developed quality control systems that ensure your commercial insurance records are current. We’ll even help you through the auditing process. No more scrambling to meet dates or find certificates – your Martin team will make sure you are on the ball and in compliance.

Q. I already have business owners insurance. How do I know if it’s the right type or amount?

A. If you already have some form of business owners insurance, but are not sure if it is the right type or amount of coverage, schedule a no-obligation review of your existing policies.

Our experienced team is generally able to identify gaps in coverage or opportunities to save money. Contact Martin today to schedule a complimentary review.

Email: • Toll-Free: 800.353.5000 • Telephone: 609.356.1500
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