Big Protection in a Small Package
What’s Typically Included in a BOP
We’ll help you tailor your Business Owners Policy to match your property, liability, and income protection needs—all in one convenient policy.
Standard policies typically include:
- General liability coverage for third-party injuries or damage
- Commercial property insurance for buildings, equipment & inventory
- Business interruption insurance for income loss due to covered events
- Coverage for signs, furniture, and leased equipment
- Add-ons available for cyber liability, data loss, and more
What You Can Expect from W.J. Farmer
Personalized BOP Coverage, No Corporate Runaround
We take the time to understand your business, walk you through the options, and set up your policy with precision—so you're never under- or over-insured.
You’ll get:
- Coverage designed for NY small businesses
- Affordable bundles from top-rated carriers
- Quick policy issuance and updates
- Support for policy reviews as your business grows
- Friendly service from a local team who gets it
As a family-run agency, we take time to get to know you—and we’ll be here when you need to file a claim, add coverage, or ask a question.
Expand Your Policy with Confidence
Popular Add-Ons for Business Owners Policies
Your business may have needs outside a standard BOP. We’ll help you decide which extras are worth including for stronger protection.