Get the essential protection many small businesses need in one practical policy. PRK Insurance Agency, Inc. helps you compare business owners insurance options to protect your property, liability, and income.
Business owners insurance is often called a Business Owners Policy (BOP). It commonly bundles general liability and commercial property coverage into one policy designed for many small to midsize businesses.
A BOP often includes protection for third party injury and property damage claims, plus coverage for your building or business contents (depending on what you own). Coverage details vary by carrier and industry.
Many retail stores, offices, professional services, and light service businesses are good candidates. Eligibility depends on your operations, location, square footage, and risk profile.
Business property coverage can help protect equipment, furniture, inventory, and certain improvements after covered events like fire, theft, or some storm damage. Limits and exclusions matter, so we help you set this up correctly.
General liability can help protect your business if a customer is injured, someone’s property is damaged, or a claim is made against you. It can also help cover legal defense costs for covered claims.
Many businesses add options like business interruption (loss of income), equipment breakdown, cyber liability, professional liability, and hired and non owned auto coverage depending on how the business operates.
Choosing the right business owners policy comes down to accurate limits, clear exclusions, and coverage that matches how you actually operate. Since 2004, PRK Insurance Agency, Inc. has helped New York businesses compare trusted options and avoid costly gaps. Based in Melville, NY, our local team provides straightforward guidance, responsive support, and fast quotes built around your real risks.
Get clear answers to common business insurance questions, including what coverage you may need, what’s required, and how to protect your business from costly claims and interruptions.
Business owners insurance often includes general liability and commercial property coverage, and may offer options like business interruption and equipment breakdown depending on the carrier.
General liability focuses on third party claims. A BOP often includes general liability plus property coverage, and may include additional protections depending on the policy.
It can. Building coverage applies if you own the building. Business personal property coverage helps protect contents like equipment, furniture, and inventory. Coverage depends on how the policy is set up.
Some theft losses may be covered depending on the policy terms, limits, and where the theft occurs. We help you confirm what is covered for your business.
Some BOPs include business interruption or offer it as an option. This coverage may help replace lost income and cover certain expenses if you cannot operate due to a covered claim.
Usually not. Professional liability (errors and omissions) is typically separate. If your business provides advice or services, we can help you compare E and O options.
Employee injuries are typically handled through workers’ compensation, which is separate from a BOP. We can help you set up workers’ comp if it applies.
In many cases, cyber coverage can be added by endorsement or as a separate policy. We help you compare options based on your data exposure and systems.
Cost depends on your industry, location, revenue, payroll, property values, coverage limits, deductible, and claims history. We help you compare options to find the best fit.
Start with your business details, location, and what you want to insure (building, contents, liability limits). PRK Insurance Agency, Inc. can review your needs and provide fast quote options.
