Who Needs A Business Owner's Policy?

A Business Owner's Policy is an ideal solution for many businesses because it combines several insurance policies into a single package and usually is less costly in the package versus buying them individually. This protects your physical location, helps to deal with claims if being sued, and well as protection for your assets like equipment and more.

What's The Advantage Of A Business Owner's Policy?

The biggest advantage of having a Business Owner's Policy is that you are combining multiple insurance policies into a bundle, and this bundle has a lower cost than if you were to purchase these insurance policies separately. BOPs can also be customized by adding other insurances to the bundle to suit your specific business needs.

What Is In A Business Owner's Policy?

A typical or basic BOP includes three main insurance coverages: property insurance for buildings and contents, liability protection to help with lawsuits related to injury or damage from your business operations, and business interruption insurance which helps to cover lost income from an event that disrupts your business from operating normally.

BOP Insurance, Business Owners Policy Insurance, Business Insurance in Dallas, Richardson, Allen, Frisco, McKinney, Wylie, and the Surrounding Areas

Protecting your business is just as important as protecting your home and family in Dallas, Richardson, Allen, Frisco, McKinney, Wylie, and the surrounding areas. That’s why we at Gibb Agency Insurance Services have so many different insurance products for business insurance. From the usual business owners policy insurance offerings to things like cyber liability, umbrella insurance, errors and omissions insurance, and many more, we can provide you with a custom-built insurance protection plan that fits the needs of your business without leaving anything exposed or having extra coverage that you don’t need. As an independent insurance agency, we work with many different insurance companies, and this allows us to shop the market for your insurance needs and provide you with the best options.

Contact us today to schedule a review and discussion of your business insurance needs.

General Liability Insurance, Professional Liability, Cyber Liability
Commercial Property Insurance, Commercial Auto Insurance, Umbrella Insurance
Workers’ Compensation
Business Interruption Insurance, Errors & Omissions Insurance
Additional Business Insurance Coverage
Areas Served
Frequently Asked Questions
Testimonials
Contact Us

General Liability Insurance, Professional Liability, and Cyber Liability

There are several different liability insurance products out there. General liability insurance is often a part of a BOP insurance package as nearly every business needs this. This is for bodily injuries as well as property damage resulting from your products, services, or operations. There is professional liability insurance which is designed for those that provide advice and counseling, such as accountants and attorneys. And there is now cyber liability which is becoming another must-have coverage that helps to cover the costs associated with data breaches and other technology issues.

Commercial Property Insurance, Commercial Auto Insurance, and Umbrella Insurance

Protecting your property is another important aspect of business insurance. From the building where you work to the vehicles that you use for your business along with tools, equipment, and other items, they all need protection from vandalism, theft, damage, and other issues. And if these protection levels aren’t enough for your risk or comfort level, we can also look at umbrella insurance coverage to help provide additional coverage.

Workers' Compensation

If you have employees, even a handful of them, you will need workers’ compensation insurance. This provides coverage for employees if they get injured or sick on the job. This insurance will help to cover medical care costs, replace lost wages if taking time off to recover, and other expenses. This insurance will vary based on the number of employees and other things, but it is a required insurance when you have employees.

Business Interruption Insurance, and Errors & Omissions Insurance

Things can happen to your business that are completely out of your control, such as a major storm damaging the building that you work out of. This can cause you to not be able to conduct business for a while until the building is repaired, and business interruption insurance is there to provide you with coverage to help pay for ongoing bills until your business can get back into operations. Errors and omissions insurance protects you against claims if a client sues you for negligent acts.

Additional Business Insurance Coverages: Business Income, Crime Insurance, Data Breach Insurance, Electronic Data Liability Coverage, Employee Dishonesty, & Disability

Beyond the above major insurance protections that many businesses will need, there are a host of additional insurance protections that may be appropriate depending on the various risks and needs of your specific business in Dallas, Richardson, Allen, Frisco, McKinney, Wylie, and the surrounding areas. If you have a lot of client data you may want to look into policies such as data breach insurance or electronic data liability coverage. If you are concerned about financial theft or data theft from employees or others, crime insurance is worth looking into. Additionally, there are other options for dealing with dishonest employees, disability, and other business insurance needs. Contact the Gibb Agency Insurance Services to learn more.

Areas Served

Proudly serving Dallas, Richardson, Allen, Frisco, McKinney, Wylie area:

Crime Insurance
Cyber Liability Insurance
Data Breach Insurance
Disability Insurance
Electronic Data Liability Coverage
Employee Dishonesty
Errors & Omissions Insurance
General Liability Insurance
Professional Liability Insurance
- Professional Liability Insurance and Business Insurance in Dallas, TX
Workers’ Compensation
Umbrella Insurance

Frequently Asked Questions

Client Testimonials

"I am a professional colleague of Susana. The level of care that she demonstrates for her clients is top-notch. She is easy to work with and will go above and beyond to be sure you’re taken care of. I highly recommend Susana for your insurance needs!"

"I worked with Susanna Gibb for several years. She handles my home, health and life insurance, and they have been great. And I like having someone local to ask questions, not an automated phone bank."

"This is a wonderful, family-friendly agency that will take great care of all your insurance needs! I highly recommend!!"

"The Gibb Agency is great... we love supporting independents and can't be happier with the service and coverage. I use them for both personal and business policies and have always found them to be attentive and on top of finding us exactly what we need."

"The Gibb Agency has serviced my home, my business, and my family's insurance needs for over a decade. I highly recommend Susana to help with your home, vehicle, or health insurance needs."

"Was told today you are a movie star - who knew! Nice to know we are dealing with a professional. Thanks for the wonderful service on our benefits."

"I was able to get a lower rate on my homeowners insurance thanks to Shelby! They are very efficient and communicate well. I would highly recommend!"

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