Business Owners Insurance

Tailored Business Owners Insurance to Protect and Sustain Your Success

Comprehensive Coverage

A Business Owners Policy (BOP) combines business property and business liability insurance into one convenient policy and is designed specifically for small to medium-sized businesses. This policy helps protect your business from claims resulting from things like fire, theft, or other covered disasters, and from claims of bodily injury or property damage that could arise during your business operations. When applying for a BOP, it's important to accurately assess the value of your property and the potential risks your business faces to ensure that your coverage is adequate. Considerations should also include business interruption insurance, which can compensate for lost income and help pay for operating expenses if your business is temporarily unable to operate.

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Tailored Insurance for Small and Medium-Sized Businesses

Our team specializes in helping businesses navigate the complexities of securing a Business Owners Policy. We understand the unique challenges small to medium-sized businesses face and offer tailored solutions to meet those needs. We can guide you through the process of identifying the right coverage options, ensuring that your business is protected against the specific risks it faces. Additionally, we can help you uncover cost-saving opportunities, such as bundle discounts or reduced rates for businesses with safety programs or a claim-free history. When consulting with our agents, it's important to ask about the specific coverage included in a BOP, optional coverages that may benefit your business, and how to adjust your policy as your business grows and changes. Our goal is to provide you with comprehensive protection that supports your business's continued success.

Frequently Asked Questions

  • What is a Business Owners Policy, a BOP, and who needs it?

    A Business Owners Policy (BOP) combines essential protections into one package—typically property damage, business income interruption, and general liability insurance. It’s a smart, cost-effective option for small business owners looking to simplify coverage without sacrificing protection. Whether you're running a retail shop or a small firm, BOP insurance can shield your operations from costly surprises.

  • What are the top reasons why business owner's cancel their insurance?

    A business owner's reasons for cancelling can vary by provider, but most policies require written notice within a specific timeframe—usually 30 days. It’s crucial to review your carrier’s policy terms and avoid lapses in insurance coverage that could leave your business vulnerable.

  • How does insurance protect business owners from lawsuits?

    Insurance policies—especially those that include professional liability insurance and general liability insurance—offer protection from third-party claims involving bodily injury, property damage, or professional negligence. If you're sued, your insurer helps with legal costs, filing a claim, and settlement negotiations, allowing you to focus on running your business.


  • Is there life insurance designed specifically for business owners?

    Yes. Life insurance for business owners can provide continuity, succession planning, and financial protection. Whether you're looking for small business owner life insurance to secure a loan or ensure business continuity, or want life insurance for small business owners to support key person strategies, the right policy helps safeguard your business legacy.


  • What's the role of disability insurance in business protection?

    Disability insurance for business owners—including business owner disability insurance—replaces income if illness or injury prevents you from working. It’s vital for small business operators who rely on their daily involvement. Disability insurance for small business owners can help cover overhead, payroll, or personal income while you recover.


  • Are there dental and health insurance options for business owners?

    Absolutely. Dental insurance for business owners and health insurance for small business owners in Michigan (or any other state) can be customized to fit your needs. Whether you’re a solo entrepreneur or run a team, Dorsey & Associates helps you explore additional coverages like vision, dental, and health care under a comprehensive business insurance plan.


  • What types of business insurance are essential for small businesses?

    Some common types of business insurance include:

    • Workers compensation for employee injuries
    • Commercial auto for vehicles used in business operations
    • Business property for buildings, tools, and equipment
    • Liability coverage for accidents or claims


    Choosing the right mix depends on your coverage options, type of business, and local regulations.

  • How can business owners ensure they're fully protected?

    The key is layering your coverage. A BOP serves as a foundation, while including coverage like life insurance for business owner needs or protection from natural disasters ensures broader security. At Dorsey & Associates, we help you tailor policies to support growth, stability, and long-term resilience.


Contact us today to explore insurance options and find the policy right now you.