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insuresque.com
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888.727.9287
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Protection for the everyday risks of running a business.
Accidents, property damage, and lawsuits can happen unexpectedly. Business Owners Liability Insurance helps protect your business from claims involving clients, customers, vendors, and the public.
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Standard coverages & limits
Every BOP policy is built on the same foundation — protection that responds when an everyday risk becomes a claim.
Every BOP policy is built on the same foundation — protection that responds when an everyday risk becomes a claim.
$1,000,000
Bodily Injury & Property Damage Liability
$1,000,000
Personal & Advertising Injury Liability
$5,000 - $10,000
Medical Payments
$50,000 - $100,000
Fire Legal Liability
$2,000,000
Products & Completed Operations Liability
$2,000,000
General Policy Aggregate
Business Personal Property / Inventory
Covers business-owned contents and inventory against covered losses, helping replace or repair essential property after damage.
Business Income & Extra Expense
Covers lost income and necessary extra expenses when covered damage temporarily disrupts normal business operations.
Annual premiums start from $500. Higher limits are available depending on risk profile.
Common endorsements & optional coverages

Standard BOP policies cover the basics and endorsements let you extend, customize, or raise limits to match your specific business risks.

Additional Insured Endorsement
Extends liability coverage to other parties tied to your business operations, like landlords.
Waiver of Subrogation
Prevents your insurer from pursuing a third party after paying a claim.
Primary and Noncontributory Wording
Makes your policy pay first before any other applicable coverage responds.
Employee Benefits Liability
Covers claims from errors in administering employee benefit plans.
Excess & Umbrella
Additional limits layered above your primary general liability policy.
Non-Owned & Hired Auto
Covers liability arising from business use of rented, leased, or employee-owned vehicles for company purposes.
How pricing works
Premiums vary by business type, risk level, and coverage details—not a flat rate.
Business Type & Risk Level
Higher-risk industries and operations typically pay more for the same coverage limits.
Location & State Requirements
Local regulations, claim trends, and legal exposure vary significantly from state to state.
Claims History
Past claims signal future risk, often raising premiums for businesses with frequent losses.
Coverage Limits
Higher liability limits and lower deductibles increase your policy's overall annual premium cost.
Who needs Business Owners Liability insurance?
Most businesses that interact with customers, vendors, landlords, or the public.
Businesses operating from leased commercial space.
Businesses whose leases or contracts require General Liability coverage.
Property owners and landlords.
Manufacturers, wholesalers, offices and professional service businesses.
Compare quotes from multiple carriers.
How it works
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Complete the Form
Answer a few quick questions about your needs - takes less than 2 minutes
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Receive Multiple Quotes
Instantly compare free, no obligation offers from trusted providers.
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Obtain Your Coverage
Choose the plan that fits and get protected the same day.
                Coverage starts immediately
Western United Commercial Insurance Services  CA DOI License # 0D69147
1908 South El Camino Real, San Clemente, CA 92672
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