Small Business Insurance San Diego, CA
Starting a business requires great investments. As business owner you need to protect property against great financial losses and unforeseen circumstances.
You need to have insurance the moment you start running your company and this kind of insurance is known by the name Business owners Policy or simply BOP. A package policy is a more affordable option that paying for these policies separately, so it is something to think about. H&M Insurance is here to guard your interests and advise you how to get a complete business coverage at a lower price. If you want additional coverage for property, liability or perils or conditions otherwise excluded, you can purchase them as endorsements to a standard policy or as separate policies.
Choose a Policy According to the Type of Your BusinessBOP is designed with the requirements of business owners in mind, so it can cover every aspect of your business. We offer insurance solutions for many small business like retail stores, restaurants, motels and hotels, supermarkets/grocery stores, barber/beauty salons, bakeries, garage operations, car washes, professional liability and much more. Depending on what you want to cover, choose the package that won’t leave anything out. We understand that choosing the right business insurance plan for your business can be very confusing, so we have created many different options and programs to meet your insurance needs. Business owner policy BOP was designed to provide business owners with a package of coverage with options necessary to meet a wide variety of insurance needs. We offer:
- Business interruption insurance, which covers the loss of income that a business suffers after some unfortunate event while its facility is either closed because of the disaster or in the process of being rebuilt after it.
- Crime insurance refers to the insurance that manages the loss exposures resulting from different forms of theft.
- General liability protection that insures against claims of bodily injury or property damage by someone injured at the business.