Why Would I Need A Business Owner’s Policy?

Business insurance policies can be complicated. From employee injuries to insuring against fire, it seems like the untold risk can be too much for business owners shopping for business insurance. But more business owners prefer combining their business insurance policies into one policy known as Business Owner’s Policy.

A Business Owner’s Policy is a packaged group of policies designed for small businesses to help protect against common liabilities they may encounter. A Business Owner’s Policy combines things such as renter’s insurance, data breach insurance, and both customer and employee liability insurance into a single policy. Here are some of the reasons why a business owner may need a Business Owner’s Policy.


This is one of the major benefits of purchasing a Business Owner’s Policy. Every dollar counts for every small to midsize business, and a Business Owner’s Policy can save you a lot of money by combining the above-mentioned policies so that you don’t have to purchase each policy separately.

Broad Coverage

Business Owner’s Policy provides a wide range of coverage by combining several different types of insurance coverage into a single plan. Generally, a Business Owner’s Policy provides general liability, commercial property, and business interruption coverage, all in a single insurance policy.

Moreover, a more important benefit of a Business Owner’s Policy is making sure there is no gap in the coverage. When you shop around for several different policies, there may be a grey area between omissions that are not covered. You may be fully insured if you purchase all your policies from one carrier.


While a Business Owner’s Policy provides coverage for several types of risk your business may encounter, you don’t need to bother about purchasing coverage that you don’t need. Business Owners Policies can be tailored to meet the needs of your business with additional coverage for risks like personal injury, cyber liability, equipment breakdown, and more. 

A customized policy that caters to you is convenient and efficient.

Learn More About Business Owner’s Policy

Contact All Things Insurance today to learn more about a Business Owner’s Policy and how it can help keep your business safe.