Bring the essentials together.
If you run a small or mid-sized business, a business owners policy can combine property and liability coverage in one package. Pelorus helps you compare the package and tailor the supporting coverage around your business.
The BOP
The essentials, brought together.
A coordinated starting point for an eligible small or mid-sized business.
One package
Property + General liabilityCompare business income, equipment breakdown and other additions around the way your business operates.
Under the policy
What the coverage can include.
- 01Buildings, equipment, inventory and furniture
- 02Third-party injury and property damage claims
- 03Business income after covered damage, often included
- 04Optional additions such as equipment breakdown
Who it’s for
How it connects to the work you do.
Professional offices
Accounting, law and consulting offices typically need modest property limits and premises liability for client visits.
Retail shops
Stock, fixtures and customer injury claims can sit in one policy with one renewal date.
Restaurants and cafes
A cafe with limited alcohol sales can insure its kitchen and dining room, and add food spoilage coverage.
Small building owners
Owners leasing out a small apartment or office building can cover the structure and common-area injury claims together.
Before we talk
The questions behind the policy.
How do you compare a BOP with separate policies?
We compare the package with separate property and liability policies on coverage, limits, deductibles and total cost, then help you choose the arrangement that fits.
How can my coverage grow with the business?
As revenue, property values and operations grow, separate property and liability policies can offer more flexibility in limits and structure. A review before renewal keeps the program aligned with your next stage.
Your next step
Make it fit the business you run.
Bring us the question. We’ll help you understand the exposure and the options available.
Prefer email? Contact our teamUseful for a first conversation
- Your current policies or contract terms
- The locations, dates or assets involved
- What has changed since your last review
You don’t need everything ready to get in touch.