Business Owners Insurance
Coverage for the Olympic Peninsula and Beyond
Business Owners Insurance
As a business owner, you face unique risks. Business Owners Insurance (BOP) offers a comprehensive package that covers both property and liability risks, making it a convenient and cost-effective solution for small to medium-sized businesses. DFG Insurance can help you find the right BOP to ensure that your business is fully protected.
What Does Business Owners Insurance Cover?
Business Owners Insurance (BOP) typically includes the following coverages:
Property Coverage
Protects your business property, including buildings, equipment, inventory, and furniture, from fire, theft, and other risks.
Liability Coverage
Covers bodily injury or property damage that occurs on your business premises or due to your business operations.
Business Interruption
Provides income replacement if your business is forced to close temporarily due to a covered event.
Workers’ Compensation
Covers employees’ medical costs and lost wages if they’re injured on the job.
Frequently Asked Questions
What is business owners insurance?
A Business Owners Insurance, a BOP, policy bundles commercial property insurance, liability coverage, and business interruption protection into one package. DFG Insurance—formerly Doty Insurance, Fryer Insurance, Poulsbo Junction Insurance, Gellor Insurance—works with top carriers to craft BOP policies tailored to your industry, whether you operate in Sequim, Port Angeles, or anywhere on the Olympic Peninsula.
What needs business owners insurance?
Small and medium-sized businesses—retail shops, restaurants, offices, and service providers—should consider a BOP. If you own a storefront in Port Townsend or manage a workshop in Forks, a BOP simplifies coverage for your building, equipment, customer injury claims, and lost income after a covered event.
How do I get a BOP quote in Sequim or Poulsbo?
Contact our agency for a free Business Owners Insurance quote in Poulsbo, Sequim, Port Angeles, or Port Townsend. We assess your real estate value, inventory, payroll size, and risk exposures to compare BOP options from multiple insurers.
Can I add additional coverages to my BOP?
Yes. You can add commercial auto insurance or specialized endorsements—such as cyber liability, inland marine, or equipment breakdown—to your BOP for more comprehensive protection tailored to your business needs.
Do you offer business owners insurance in Oregon and Arizona?
Absolutely. Our licensed agents provide Business Owners Insurance in Oregon and in Arizona, allowing businesses that operate across state lines to maintain consistent coverage.
What factors affect my business owners insurance premium?
Premiums depend on your business’s location, building construction, annual revenue, payroll, claims history, and selected coverage limits. We guide you through each factor so you understand how to manage cost and risk.
How do I file a claim under my BOP?
In the event of property damage, a liability suit, or interruption, contact DFG Insurance immediately. We’ll coordinate with your insurer to document losses—such as building repairs, inventory replacement, or lost income—and expedite your claim.
Why choose DFG Insurance for business owners insurance?
Since 1928, DFG Insurance has provided local expertise on the Olympic Peninsula and the independence to shop multiple carriers. Whether you need business owners insurance Sequim or business owners insurance Port Angeles, our agents deliver competitive rates and expert guidance.
