Get the BPJ newsletter. Sign Up We Protect Your Business Like It is Our Own. Commercial Property/ Real Estate Part of owning a business is protecting it, whether you started your own business, took over a business, expanded, moved, or upgraded. BPJ understands business insurance. Not only that, but we also have the ability, as an independent agency, to compare rates from a vast and growing network of carriers – find the best rates and the insurance options individualized to your business’s needs. We will help you identify the needs and vulnerabilities specific to your business, review plan options, and help you determine what makes the most sense for your circumstances. Options Offered by BPJ Include: Property Damage If your business property is damaged this can help pay for repairs or replacement from a covered event. Commercial Liability Umbrella Policies Insurance Umbrella insurance picks up where your traditional policies leave off. If you have only $100,000 in business owner’s coverage, for example, and an event (such as a lawsuit) occurs that puts you in need of double that, an umbrella policy could help or entirely meet your needs. Your umbrella policy will cover what your traditional personal policy leaves out. Business Owners Policies Insurance Combining business property and liability insurance in to a single business insurance policy. Can also be called BOP insurance, helps cover disasters and claims that can arise like claims of bodily injury or property damage. Damaged Inventory A branch of personal property insurance that can help in replacement or payment in covered business items, such inventory as computers, tools, etc. Surety & Fidelity Bonds These bonds are insurance used to manage risk and protect against loss or damage in commercial transactions, guaranteeing your work for licensing requirements. Builders Risk Insurance A branch of construction insurance, builders risk insurance is a specialized form of property insurance that helps protect buildings under construction and construction projects from property damage due to fire, lightning, explosions, theft, etc. Loss of Income Also known as Business Income Insurance, is for an event that causes you to need expenses covered to resume business. This can include expenses such as covering net income, operating and payroll costs, and temporary business relocation depending on the event. Business Crime Coverage Can help protect your business from financial loss related to crime, includes theft by an employee or outsider, forgery, robbery, etc. Employee Benefits Employee Benefits are crucial to employee retention. When your team knows you’re taking care of them, they are more invested in the long-term success of the business. These benefits can include Health Insurance, Life Insurance, Dental Insurance and more. Contact BPJ today to discuss your insurance options. Get A Quote Now SPRINGFIELD, MO 417.887.3550 800.422.5275 417.887.3252 (fax) 1637 S Enterprise Springfield, MO 65804-1850 ROLLA, MO 573.364.8888 800.364.2212 573.341.2257 (fax) 401 West Fifth Street Rolla, MO 65401-1258 WEST PLAINS, MO 417.256.6162 800.400.3896 417.256.6165 (fax) 1520 Imperial Center West Plains, MO 65775-0964 RIVER CITY INSURANCE 800.899.7392 573.748.5215 573.748.5392 (fax) 206 Main Street New Madrid, MO 63869