Business Owners Insurance Policy

Having the proper business insurance coverage at an affordable rate can make the difference between the success and failure of your business.  Get a quote for policy that combines many coverages together in one low annual premium

Business Owners Policy – Serving Las Vegas

As a business owner, you strive to make decisions that are right for your business, your employees and yourself. This includes decisions about business insurance. You know you need excellent coverage. You don't, however, have time to become an expert in business insurance. That’s where Insurance Group of Nevada can help.

A Business Owners Policy (BOP) combines property, liability and business interruption coverage for small to medium-sized businesses. This packaged coverage is generally less expensive than when purchasing coverage separately. With a BOP you have the ability to customize the policy to meet your individual business needs. 

Perhaps you need general liability coverage that includes operations. Or, you need to add business auto coverage or commercial property insurance. Whether you are a home-based business, small service provider or contractor, Insurance Group of Nevada will work with you to find the right combination of business insurance coverage to meet your specific needs. Contact us  today!

Supplemental Coverage Available
  • Extended liability for additional insureds.
  • Debris removal, personal property.
  • Tools and equipment.
  • Valuable records protection and accounts receivable.
 
In addition to advising you on the right coverage, we provide additional services, such as:

  • Loss Prevention Programs—with our insurance company partners, we can evaluate your business's current conditions and recommend ways to lower property, auto, workers compensation or liability losses. Lower losses will not only lower your insurance costs, but also increase your productivity by avoiding downtime.

  • Quick Claim Response—when you do have a claim and need fast and fair service, we work with you to make that happen. That's why we only represent companies with excellent records for settling claims fairly and promptly. 

  • Competitive Rates—many of the insurance companies we represent specialize in insuring specific types of businesses or industries, offering special coverage and pricing.
 
To see if your business qualifies for one of these special programs, contactInsurance Group of Nevada for more information. Give us a call at (702) 996-6434

Major Types of Business Insurance

General Liability Insurance 
  • A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations; and advertising and personal injury liability.
Commercial Auto Insurance
  • Covers cars, trucks, motorcycles, and other road vehicles owned by or operated within a business. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. Commercial auto insurance may also offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from events other than traffic collisions.
Commercial Property Insurance
  • Covers risk of loss to an organization’s buildings or personal property. Usually includes buildings, personal property of the insured business or business owner, personal property of others on site and in the insured’s possession. Coverage can be provided on an all risk or specific perils basis.
Commercial Umbrella Insurance
  • Commercial Umbrella insurance is liability coverage that is in excess of specified other commercial insurance policies and also potentially primary insurance for losses not covered by the other policies. When an insured business is liable to someone, the insured's primary insurance policies pay up to their limits and any additional amount is paid by the umbrella policy (up to the coverage limit of the umbrella policy).
Professional Liability Insurance
  • Professional liability insurance (PLI), also called professional indemnity insurance (PII) but more commonly known as errors & omissions (E&O) in the US, is a form of liability insurance that helps protect professional advice and service-providing companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. Professional liability coverage sometimes also provides for the defense costs, including when legal action turns out to be groundless. 
Business Owner's Package
  • A Business Owner's Package (often called a BOP) is an insurance policy that combines protection from all major property and liability risks in one package. It typically combines all the basic coverages required by a business owner into one bundle. It is usually sold at a premium that is less than the total cost of the individual coverages. Business Owners Policies usually target small and medium-sized businesses and typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss.
Workers Compensation
  • Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
Group Health Insurance
  • Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees' family members) as a benefit of working for that company. A group health insurance plan is a major part of many employee benefits packages that employers provide for their employees. 
Group Life Insurance
  • Group life insurance (also known as wholesale life insurance or institutional life insurance) is term insurance covering a group of people, usually employees of a company, members of a union or association, or members of a pension or superannuation fund. Individual proof of insurability is not normally a consideration in the underwriting. Rather, the underwriter considers the size, turnover, and financial strength of the group.
Group Disability Insurance
  • Group Disability Insurance is a type of group insurance that provides regular income replacement payments to an insured member of the group in the event of an eligible disability resulting from illness or injury. Coverage is generally offered in two types: short-term disability (STD) or long-term disability (LTD).
Supplemental Insurance
  • Supplemental insurance is extra or additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular insurance does not cover.

    Contact us to learn more about the right business insurance for you.
(702) 996-6434​
1415 Arville Street
Suite 101
Las Vegas, NV 89102
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Semi Truck Insurance ( Bobtail) 
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