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Our business owner's policy (BOP) covers over 800 different types of businesses. It's a special type of commercial insurance designed for small and medium-sized businesses. As risk management specialists, our agents guide business owners through a simple needs analysis to determine how to best protect their livelihoods. Below are just a few categories of business and common coverage needs for each.


Restaurants and Event Centers
  • Liquor Liability

    Protects against claims for injury sustained by reason of selling, serving or furnishing any alcoholic beverage during the course of the business operations.

  • Spoilage

    Food spoilage coverage can provide reimbursement for the cost of lost food and beverages, up to the policy's limits, during covered events, which may include: Prolonged power outage, Equipment breakdown or failure, Mechanical breakdown coverage.

  • Food Contamination Coverage

    Normally found under the product liability insurance policy. The insurer protects the policyholder against various potential recall costs, including a loss in profit and extortion costs. The policy covers any accidental or intentional contamination, which may happen during production, preparation, manufacture, packaging or distribution or item, provided the products have caused bodily injury, sickness, disease or death after consumption.The policy may have limits on the maximum amount it will pay for contamination-related loss.

  • Business Income from Dependent Properties

    This portion of the property policy provides insurance coverage in the event the damage or destruction of non-owned property reduces or terminates the insured's earnings. Dependent property coverage extends to protect the insured from business income losses emanating from the suspension of operations of non-related entities. There are four types of entities that qualify as eligible dependent properties: Suppliers, Buyers, Providers and Drivers.

  • Equipment Breakdown

    Provides coverage for loss due to mechanical or electrical breakdown of nearly any type of equipment. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown. Resulting business income and extra expense loss is often covered as well.

  • Employment Practices Liability

    Liability insurance covering wrongful acts arising from the employment process. The most frequent types of claims covered under such policies include: wrongful termination, discrimination, sexual harassment, and retaliation. EPLI policies are written on a claims-made basis.

  • Group Health

    Offering health insurance tells prospective and current employees that the company cares for its workers. Providing employer sponsored health coverage could allow for additional tax deductions and credits should the business qualify for them.

  • Employers Liability

    This coverage provided by part 2 of the workers compensation policy provides coverage to the insured (employer) for liability to employees for work-related bodily injury or disease, other than liability imposed on the insured by a workers compensation law.



Contractors and Roofing
  • Tools and Equipment (employer and employee owned)

    Commercial contractors equipment insurance is a broad-ranging policy designed to cover damaged or missing contracting equipment. A contractors insurance policy can extend beyond simply covering equipment; it can also cover small tools, employees' equipment and borrowed equipment.

  • Workers' Compensation

    Once the first employee has been hired, workers' compensation insurance should be added to a business's insurance policy. This will cover medical treatment, disability and death benefits in the event an employee is injured or dies as a result of his work with that business. Even if employees are performing seemingly low-risk work, slip-and-fall injuries or medical conditions such as carpal tunnel syndrome could result in a pricey claim.

  • Performance Bonds

    A performance bond, also known as a contract bond, is a surety bond issued by an insurance company to guarantee satisfactory completion of a project by a contractor.

  • Group Health

    Offering health insurance tells prospective and current employees that the company cares for its workers. Providing employer sponsored health coverage could allow for additional tax deductions and credits should the business qualify for them.

  • Commercial Auto Coverage

    If company vehicles will be used, those vehicles should be fully insured to protect businesses against liability if an accident should occur. At the very least, businesses should insure against third-party injury, but comprehensive insurance will cover that vehicle in an accident, as well.

  • Medical Payments
  • Personal Injury and Advertising

    Advertising injury means injury committed by a business in the course of advertising its products or services.The injury may be committed against an individual or another business. The injured party typically suffers a financial loss.

  • Bodily Injury
  • Property Damage


Hair Salons / Barber Shops / Nail Salons
  • Professional Liability

    Professional liability insurance, also known as errors and omissions (E&O) insurance, covers a business against negligence claims due to harm that results from mistakes or failure to perform. There is no one-size-fits-all policy for professional liability insurance. Each industry has its own set of concerns that will be addressed in a customized policy written for a business.

  • Employers Liability

    This coverage provided by part 2 of the workers compensation policy provides coverage to the insured (employer) for liability to employees for work-related bodily injury or disease, other than liability imposed on the insured by a workers compensation law.

  • General Commercial Liability

    Liability insurance is a part of the general insurance system of risk financing to protect theinsured from the risks of liabilities imposed by lawsuits and similar claims.

  • Business Income from Dependent Properties

    This portion of the property policy provides insurance coverage in the event the damage or destruction of non-owned property reduces or terminates the insured's earnings. Dependent property coverage extends to protect the insured from business income losses emanating from the suspension of operations of non-related entities. There are four types of entities that qualify as eligible dependent properties: Suppliers, Buyers, Providers and Drivers.

  • Group Health

    Offering health insurance tells prospective and current employees that the company cares for its workers. Providing employer sponsored health coverage could allow for additional tax deductions and credits should the business qualify for them.



Boutiques and Gift Shops
  • General Commercial Liability

    Liability insurance is a part of the general insurance system of risk financing to protect theinsured from the risks of liabilities imposed by lawsuits and similar claims.

  • Business Income from Dependent Properties

    This portion of the property policy provides insurance coverage in the event the damage or destruction of non-owned property reduces or terminates the insured's earnings. Dependent property coverage extends to protect the insured from business income losses emanating from the suspension of operations of non-related entities. There are four types of entities that qualify as eligible dependent properties: Suppliers, Buyers, Providers and Drivers.

  • Employment Practices Liability

    Liability insurance covering wrongful acts arising from the employment process. The most frequent types of claims covered under such policies include: wrongful termination, discrimination, sexual harassment, and retaliation. EPLI policies are written on a claims-made basis.

  • Employers Liability

    This coverage provided by part 2 of the workers compensation policy provides coverage to the insured (employer) for liability to employees for work-related bodily injury or disease, other than liability imposed on the insured by a workers compensation law.

  • Group Health

    Offering health insurance tells prospective and current employees that the company cares for its workers. Providing employer sponsored health coverage could allow for additional tax deductions and credits should the business qualify for them.



Childcare
  • Workers' Compensation

    Once the first employee has been hired, workers' compensation insurance should be added to a business's insurance policy. This will cover medical treatment, disability and death benefits in the event an employee is injured or dies as a result of his work with that business. Even if employees are performing seemingly low-risk work, slip-and-fall injuries or medical conditions such as carpal tunnel syndrome could result in a pricey claim.

  • Equipment Breakdown

    Provides coverage for loss due to mechanical or electrical breakdown of nearly any type of equipment. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown. Resulting business income and extra expense loss is often covered as well.

  • Employment Practices Liability

    Liability insurance covering wrongful acts arising from the employment process. The most frequent types of claims covered under such policies include: wrongful termination, discrimination, sexual harassment, and retaliation. EPLI policies are written on a claims-made basis.

  • General Commercial Liability

    Liability insurance is a part of the general insurance system of risk financing to protect theinsured from the risks of liabilities imposed by lawsuits and similar claims.



Convenience Stores
  • Spoilage

    Food spoilage coverage can provide reimbursement for the cost of lost food and beverages, up to the policy's limits, during covered events, which may include: Prolonged power outage, Equipment breakdown or failure, Mechanical breakdown coverage.

  • Equipment Breakdown

    Provides coverage for loss due to mechanical or electrical breakdown of nearly any type of equipment. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown. Resulting business income and extra expense loss is often covered as well.

  • Money and Security Coverage

    Coverage for loss of money and securities from within the insured's premises or from the insured's bank or safe depository.

  • Food Contamination Coverage

    Normally found under the product liability insurance policy. The insurer protects the policyholder against various potential recall costs, including a loss in profit and extortion costs. The policy covers any accidental or intentional contamination, which may happen during production, preparation, manufacture, packaging or distribution or item, provided the products have caused bodily injury, sickness, disease or death after consumption.The policy may have limits on the maximum amount it will pay for contamination-related loss.

  • Employers Liability

    This coverage provided by part 2 of the workers compensation policy provides coverage to the insured (employer) for liability to employees for work-related bodily injury or disease, other than liability imposed on the insured by a workers compensation law.




We cover over 800 business types; see your local agent for details.


*Some coverages provided through Missouri Farm Bureau Insurance Brokerage, Inc. The statements of coverage are subject to certain exclusions and conditions. Only the policy form contains the actual insurance contract.

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