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*Disability Liability policies are not yet supported
Two of the most common types of insurance policies small businesses need are general liability and commercial property coverage. General liability is designed to help cover costs related to third-party liability claims, such as a lawsuit filed by a customer who slipped, fell, and hurt themselves in your facility. These policies also cover damage to customer property that is caused by your business. General liability insurance can be purchased on its own or bundled with additional lines of coverage in a businessowners policy (BOP). A BOP offers a convenient way to get essential coverage in a single, streamlined policy. Businessowner policies typically include commercial property coverage to help lessen the financial impact of damage to your property caused by fire, theft, vandalism, and other covered events. A BOP may also include business interruption coverage to help recoup your losses in the event you need to close temporarily to deal with a covered event. A BOP bundles different types of coverage to protect you from the following risks: 1. Your property and assets. With property insurance, the building you own along with other business assets can be protected against damage by fire, vandalism, theft and more. 2. Liability claims. This portion of a BOP can protect you against many third-party claims. For example, if a customer alleges that you're responsible for an injury he or she suffered while visiting your funeral home, your policy could potentially provide coverage. 3. Loss of income due to a business interruption. If a situation such as fire causes you to have to shut down your funeral home for a period of time, a BOP could help you recoup some of the revenue you may lose because of the closure.