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Business Owners

Business Owners Insurance

As a business owner, you strive to make decisions that are right for your business, your employees, and yourself.  You know that you need excellent coverage. However, you do not have the time to become an expert in business insurance because you have a business to run and many other important decisions to make.  So, make the first and the best decision by asking an Alliances Insurance Agency agent about a Business Owners Policy (BOP).  This policy combines property, liability, and business interruption coverage for small to medium-sized businesses. This packaged coverage is generally less expensive than purchasing coverage separately.

Business Insurance can Protect Your Business against:




Tragic Loss

Perhaps you need General Liability Coverage that includes operations. Or, you need to add Business Auto Coverage or Commercial Property Insurance. Whether you are a home-based business, small service provider, or a contractor, we will be there to meet all of your specific insurance needs.

Let Alliances Insurance Agency help you find the right amount of coverage to suit your insurance needs.

Call us today at (610) 816-0043.

Typically included in the Policy

combines business property and general liability insurance in one policy and is designed for smaller businesses. It generally covers these essential areas:

General Liability – Protects your business and employees against third-party lawsuits related to personal injury, property damage, and more.

Property – Protects your place of business and the equipment, furniture, and other physical assets inside in the event of theft or damage.

You can also round out your coverage with other options, including:

Commercial auto

Equipment breakdown

Inland marine


Workers compensation

Business interruption

What our clients say


“Thank you, Adam for your timely and helpful advice regarding the insurance policies I recently purchased. The entire process from quotation through policy issue went very smoothly plus my annual premiums were reduced by more than 50%. A job very well done!”

– Jack Z.


Business Insurance includes a broad range of policy options designed to protect businesses from financial loss. Every commercial operation has its own exclusive set of risks, which means a commercial insurance policy must be tailor made to the business. 

Many factors, from the size of your company to the number of workers you employ, the materials they handle, and whether you have business vehicles, will determine the specific coverage you need to lessen risk and protect your company’s financials.

Business Insurance is a contract between the insurance company and the business. The insurance company agrees to provide financial protection in the event of a specified loss in exchange for premium payments. 

The cost of Business Insurance varies. A typical cost for Business Insurance coverage is $200 per month. Cost also depends on the size of the business. A small home-based business can often be adequately insured for less, while insurance for a large company with many employees and a wide range of business risks will cost substantially more. 


Yes, Business Insurance is tax deductible, as long as the coverage is for the purpose of operating a business, profession, or a trade. Businesses may not withhold their Business Insurance premiums if the coverage is for the purpose of a self-insurance reserve fund or a loss of earning insurance policy.

Business Insurance is required by law if the following apply to your business:


  • Unemployment insurance: Applies to a business that has employees and may be obligated to pay unemployment insurance taxes under prescribed conditions. If these conditions are applicable to your business, then you must register your business with the state workforce’s agency.
  • Workers’ compensation insurance: If your business has employees, you are most likely legally obligated to carry workers’ compensation insurance, either on a self-insured basis or through a commercial insurance carrier or a state workers’ compensation program. Workers’ compensation laws vary by state.
  • Professional liability insurance: Some states require specified professionals to carry insurance against professional liability.
  • Disability insurance: Several states require that a business have partial wage replacement insurance coverage for eligible employees for non-work-related injury or illness. These states are California, Hawaii, New Jersey, New York, Puerto Rico, and Rhode Island.
  • General liability insurance: Covers third-party liability claims for injuries to other people.
  • Professional liability and malpractice insurance: Covers professionals against loss due to negligent professional duty, wrongful acts, and advice and services that lead to another person’s loss or injury.
  • Product liability insurance: Covers against faulty products and damage, illness, injury, or death that may occur from using a faulty product.
  • Commercial vehicle insurance: Covers commercial vehicles and drivers for collision, liability, property damage, personal injury, and comprehensive coverage (also known as “other than collision”).
  • Workers’ compensation: Covers your employees if they get ill or are injured while working on the job.
  • Property insurance: Covers loss and damage to your commercial business property due to fires, storms, and other causes.
  • Loss of income: Covers your business expenses, such as rent and employee wages, if you can’t operate your business.
  • Key person insurance: Covers loss of income that may result from the head of the business or other key personnel becoming incapacitated or passing away (also known as key man insurance).
  • Cybercrime insurance: Provides protection for risks due to Internet use and online communications.
  • Records retention policies: Covers loss of important data and financial records.
  • Specialty coverage: Insurance that covers various specific business risks, such as those of landlords, farmers, and commercial operations that put on one-day events such as seminars or concerts.