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Home > Business Owners Policy

Business Owners Policies in Clayton, Willow Springs, Raleigh, & Cary NC


Business owners bear an inherent responsibility and significant stake in the successes and failings of their company. While owning your own business can be rewarding and exciting, tying your financial wellness directly to a company can also create substantial risk. With that in mind, you must be diligent and thorough in assessing and addressing various hazards and exposures that could lead to losses and damages. A robust business owners insurance policy (BOP) is essential for loss control and risk management practices. 

What Does a BOP Cover? 

BOPs are an invaluable investment for owners of small- and medium-sized businesses. While the specific operations and characteristics of your company make its exact insurance needs unique, most BOPs include a convenient and cost-effective package suitable for all businesses. In general, these arrangements usually include the following types of insurance: 

  • General liability—If your business is responsible for an incident affecting a third party, this coverage can help pay for the following costs or losses:

  • Medical treatment

  • Lost wages

  • Repairing or replacing damaged property

  • Legal expenses

  • Commercial property—By including this type of insurance in your BOP, your business can access financial assistance for lost, stolen or damaged property, including:

  • Buildings

  • Equipment

  • Inventory

  • Furniture

  • Business income—This coverage can provide financial aid for expenses and losses arising from a temporary pause in your business’s normal operations, such as:

  • Rent or mortgage payments

  • Lost income

  • Payroll

  • Temporary relocation


In addition to the aforementioned core elements of most BOPs, it may also be advisable to augment your coverage with additional protection, including: 


  • Workers’ compensation insurance
  • Professional liability insurance
  • Cyber liability insurance
  • Commercial auto insurance
  • Employment practices liability insurance
  • Directors and officers liability insurance
  • Equipment breakdown insurance


How Much Does a BOP Cost? 

Insurance providers must consider several factors before being able to provide business owners with quotes for an adequate BOP. In most cases, you can expect the following criteria of your business to be analyzed: 

  • Location
  • Industry and operations
  • Property value
  • Number of employees
  • Claims history

The specifics of your BOP, including the types of coverage you require and policy limits, will also play a prominent role in determining your premiums. 

Get the Right Coverage 

Regardless of size or sector, all businesses must account for various risks and exposures daily. Even the safest workplaces may eventually experience an incident that, without adequate insurance, could lead to significant losses and damages. Fortunately, a suitable BOP can go a long way in protecting your business’s finances and allowing it to continue to thrive. 

Having served the Clayton area for over 50 years, the experts at Nobles Insurance Agency have the knowledge and experience to assess your business’s insurance needs and craft optimal coverage. Contact us today to get started.  

Contact Us Today!
(919) 833-3803

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Clayton
11687 US 70 Business
Clayton, NC 27520

Willow Spring
2115 NW Hwy 42 E
Willow Spring, NC 27592

Raleigh
557 Pylon Drive Suite A
Raleigh, NC 27606

Cary
501 Pinner Weald Way Cary
Suite 102
Cary, NC 27513

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