Depending on the type of work your business does, your insurance agent may recommend adding the following insurance coverages to your BOP:
Worker’s compensation coverage can pay for costs (e.g., medical bills, lost wages) associated with employees who experience work-related injuries or illnesses.
Data breach coverage can pay for costs associated with data breaches (e.g., credit monitoring services) if your customer’s personally identifiable information or financial information is lost or stolen.
Equipment breakdown insurance can pay for repairs or replacements of business equipment necessary for your business operations if damaged from a covered loss.
Commercial auto insurance can pay for costs (e.g., medical expenses, defense costs) if your business-owned vehicles are damaged during the scope of your normal business operations. Hired and non-owned auto (HNOA) coverage may also provide liability coverage if personal, rented or leased vehicles are driven for business purposes.
Employment liability insurance can cover claims alleging your business engaged in illegal employment practices (e.g., discrimination, harassment).
Coverage exclusions may apply. Contact Kendall & Associates Insurance Agency for more information on adding optional coverages to your BOP insurance.