David G. Sayles Insurance Services: Your Trusted Business Insurance Partner
Find the Best Insurance Fit for Your Company with Us
Business insurance while necessary and in some cases mandatory can be quite complicated. At David G. Sayles Insurance Services, we put our expertise and experience to work for you to simplify the process while obtaining the best combination of coverages at an affordable price. This may mean offering package policies to our business insureds when the situation is right.
Business Owners Policy (BOP)
For small to midsize businesses in specific industries, we offer a Business Owners Policy (BOP) designed to combine essential coverages, such as property and liability, together. This offers you convenient and customizable coverage options for your small business at a premium lower than the cost of purchasing each type of insurance separately. With a BOP, we provide coverage on your building, coverage for the contents of the building, and general liability protection. Depending on your individual business and your industry, we can also add protection for equipment breakdown, crime, income loss, products and completed operations claims, and much more.
Commercial Package Policy (CPP)
Commercial Package Policies are available to mid-sized businesses in certain industries, bundling specific coverages together. You can opt to simply include general liability and building/contents property coverage. Or, we can include other policies such as commercial auto insurance, inland marine, equipment breakdown, crime, business income with extra expense and others. Some policies, such as workers’ compensation, fiduciary liability, and professional liability, are written independently from a commercial package policy.
We will discuss each option with you when reviewing your risk profile and assessing your operational exposures. Our staff will also discuss what additional coverages or policies are needed to address all your business insurance needs.