Business Owners Policy or BOP
Business insurance
is a type of insurance that helps protect businesses and their owners from financial losses due to unexpected events, such as accidents, natural disasters, or lawsuits. Some common types of business insurance include general liability insurance, property insurance, workers’ compensation insurance, and professional liability insurance. These policies can help cover the costs of damages, injuries, and legal fees, allowing businesses to continue operating even in the face of unexpected challenges.
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Business Insurance Policies
General liability insurance: This type of insurance helps protect a business from claims of bodily injury or property damage caused by the business’s operations, products, or employees.
Property insurance: This type of insurance helps protect a business’s physical assets, such as buildings, equipment, and inventory, from damage or loss due to events like fire, theft, or natural disasters.
Workers’ compensation insurance: This type of insurance is required by law in most states and helps cover the costs of medical treatment and lost wages for employees who are injured or become ill as a result of their job.
Professional liability insurance: Also known as errors and omissions insurance, this type of insurance helps protect businesses from lawsuits that may arise from mistakes or oversights made by professional or service-providing companies.
Cyber Liability : This type of insurance helps protect a business from financial losses as a result of a cyber attack or data breach.
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Business Insurance: Get a Quote Today
Business insurance, also known as commercial insurance, can help protect your business from unexpected expenses related to property damage, legal liability, workers’ compensation, and more. Whether you are just starting out and shopping for a small business insurance or just looking for better rates or coverage, having the right insurance policy can make all the difference when you really need it. Help protect your business against financial risk with a business insurance policy that’s right for you.
Business Insurance Calculator
Getting business insurance can be tricky, but GEICO is here to help. Just answer a few short questions about your business and its insurance needs so we can help find the best policy or policies for you. Or, if you already know what you need, browse our entire line of business insurance policies.
Types of Business Insurance
GEICO offers a range of business insurance policies for almost any type of business, including liability coverage, commercial vehicle insurance, and even cyber liability. Browse our selection below to get more information about the business insurance that’s right for you!
Business Owners Policy (BOP)
Two coverages you need, combined in a single policy. See why businesses trust GEICO to help them with their business insurance needs with coverage for:
- Bodily injury or property damage
- Defense costs for covered liability losses
- Business furniture and equipment
General Liability Insurance/CGL
CGL can help cover your business while performing normal operations. Coverages include:
- Physical injury liability
- Property damage liability
- Lawsuits costs for covered losses
Professional Liability Insurance
From Personal Trainers to IT Consultants, you need Professional Liability Insurance (PL), also called Errors & Omissions (E&O) insurance. This coverage protects you for:
- Mistakes or advice your company makes in business
- Legal defense costs
- Services completed
Workers' Compensation
This coverage is mandatory if your business has employees. Workers’ comp covers a business’ employees if they’re injured at work. In general, policies cover:
- Lost wages
- Medical expenses
- Rehabilitation expenses
Medical Malpractice Insurance
Quick, easy, comprehensive coverage for groups and individuals working as Nurse Practitioners, Physician Assistants, Nurse Anesthetists (CRNAs), Registered Nurses, Optometrists, Physical Therapists, Yoga Instructors, Personal Trainers, Nursing Students, and other medical professionals. What’s included:
- Protection against claims of negligence
- Defense counsel costs
- Professional reputation coverage
Commercial Auto Insurance
If the driver of a vehicle uses it for their job, work or business, you need a commercial policy. You may need commercial coverage if:
- The vehicle is used to transport goods or people
- The vehicle is used to perform a service
- Employees drive the vehicle
Cyber Liability Insurance
Protects businesses from computer-related attacks, such as malware, phishing, ransomware or if a laptop with confidential information on it is stolen. To quote, call (800) 448-8244
Business Insurance: Get the answers you're looking for.
Please note:
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
Business insurance coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC.
The information you provide will be shared with our business partners so that they can return a quote.
If you choose to get a rate quote online, you will be taken to the business partner’s website. The website is not owned by GEICO Insurance Agency LLC. Any information that you provide directly to business partner on its website is subject to the privacy policy posted on that website, which you should read before proceeding. GEICO Insurance Agency LLC assumes no responsibility for their privacy practices or your use of either website.
