"Our company highly recommends Homer Smith Insurance. We work with them for all of our commercial policies, and we’ve never been let down. They are an outstanding team!"

Natalie, Business Insurance, Oregon


Business Insurance from Homer Smith

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Businesses are exposed to risk on a daily basis. If you own a restaurant, your chef could slip and fall in the kitchen. If you own a contracting business, your builders are exposed to heavy equipment, sharp objects, and towering heights. If you own an IT company, you could accidentally confuse numbers, causing a client to lose a lot of money. Securing your business from the many risks that threaten it is absolutely essential.

A business owners policy (BOP) is an insurance package that includes property and liability coverages to protect every aspect of your business. A BOP is generally designed to cover the needs of small- to medium-sized companies, and isn’t really for larger businesses. Because a BOP is a package policy, Homer Smith Insurance is able to offer it at a very reasonable rate.

Typically, a business owners policy will include the following coverages:

  1. Property insurance including buildings, equipment, and inventory.
  2. Business interruption insurance. If your business is unable to produce revenue due to halted operations, this type of coverage will offset lost profits or continue paying your owed expenses.
  3. Casualty or liability protection. This product will secure your business from harm caused by the employees or products to other people.
  4. Crime insurance. If your business is robbed, burglarized, or vandalized in any way, crime insurance will kick in. It will also cover losses due to employee theft and/or embezzlement.
  5. Liability insurance. Lawsuits are common and judgments are high, and protecting your business with liability coverage will give you peace of mind knowing that your company and its assets are safe.
  6. Vehicle coverage. Your business could have one car, or it may have a fleet of vehicles. Commercial auto coverage will cover your company’s vehicles from any accidents that may arise.

If you would like an analysis of your business’s current insurance coverage, or if you need to secure a BOP policy right away, Homer Smith Insurance can help. We’ll find you the best coverages available so that you can feel secure knowing your business is covered.

Contact us today to learn more, or simply fill out our quick and easy business quote form to receive a free quote today!