Protect your family with Mission Bay Insurance Agency

A Business Owners Package (BOP) is ideal for small to mid-sized businesses that need a combination of property, liability, and business interruption coverage. Typical businesses that benefit from a BOP include:

• Retail Stores (boutiques, clothing stores, electronics shops)
• Restaurants & Cafés (coffee shops, bakeries, small dining establishments)
• Professional Offices (accountants, consultants, insurance agencies, law firms)
• Medical & Dental Offices (chiropractors, physical therapists, independent medical practices)
• Salons & Spas (hair salons, nail salons, barbershops, day spas)
• Contractors & Tradesmen (plumbers, electricians, HVAC services, small construction companies)
• Technology & IT Services (IT consultants, web developers, small tech firms)
• Wholesalers & Distributors (small warehouses, supply chain businesses)

 Commercial General Liability (CGL) insurance protects businesses from financial loss due to third-party claims of bodily injury, property damage, and personal or advertising injury. This essential coverage helps safeguard your business from lawsuits, medical expenses, and legal fees arising from accidents, negligence, or reputational harm. 

Commercial Auto Insurance provides essential coverage for businesses that use vehicles for work-related purposes. Whether you own a single company car or a fleet of trucks, this policy protects against accidents, property damage, bodily injury, and liability claims. It can also cover vehicle theft, vandalism, and uninsured motorists, ensuring your business stays protected on the road. 

Workers' Compensation Insurance provides financial protection for businesses and their employees by covering medical expenses, lost wages, and rehabilitation costs for work-related injuries or illnesses. This coverage also helps protect businesses from employee lawsuits related to workplace injuries. In most states, workers' comp is legally required for businesses with employees. 

Errors & Omissions (E&O) Insurance, also known as Professional Liability Insurance, protects businesses and professionals from claims of negligence, mistakes, or inadequate work that result in financial losses for a client. This coverage helps cover legal fees, settlements, and court costs if a client accuses your business of providing faulty advice, services, or failing to meet contractual obligations. 

Business Umbrella Insurance provides extra liability coverage beyond the limits of your existing business insurance policies, such as General Liability, Commercial Auto, and Workers' Compensation. This additional protection helps safeguard your business from large lawsuits, legal fees, and significant financial losses that exceed your primary policy limits.