Business Owners Policy

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The Insurance Group of Texas’ Business Owner’s Policy combines two critical business insurance coverages: business property and business liability. With one convenient policy, you’re protected against fire, theft, lawsuits and more. In addition, you can purchase optional coverages allowing you to tailor a policy that meets the unique needs of your business, today and as it evolves.

Business Property Insurance
The Hartford’s property insurance can help protect the property your business owns, leases or rents, including things like buildings, equipment, inventory, furniture and fixtures. It provides coverage for damaged computers and media and loss of accounts receivable records.

Business Liability Coverage
When it comes to liability protection, the broader the coverage the better. That’s why The Hartford’s BOP insurance provides business liability insurance that covers your business in the event your business is responsible for causing harm to a person and/or damage to property. It also helps cover the cost of your defense.

Loss of Business Income
If unexpected events cause your operations to be suspended due to a covered cause of loss, The Hartford’s BOP insurance will help replace any loss of income to help you meet your continuing financial obligations such as rent or payroll.

Data Breach Coverage
Offered as an optional coverage, data breach coverage provides you with access to professionals who can help you comply with regulatory requirements, provide guidance on how to help prevent a data breach and handle a breach crisis if one occurs. Response expense coverage can help to quickly restore confidence in your business or practice through notification to impacted individuals and can help pay for good faith advertising expenses, for example. In most states, coverage is also available for defense and liability expenses in the event you’re sued because of a breach.

Employment Practices Liability Insurance (EPLI)
If you’re a business that has employees, then you probably need insurance that helps protect you from employment related claims resulting from alleged or actual acts of:

  • Discrimination
  • Harassment
  • Retaliation
  • Violation of the Family Medical Leave Act
  • Wrongful discipline
  • Wrongful failure to promote
  • Wrongful termination

Call 832-203-5798 or click here for a quote.