Comprehensive protection for California small businesses. A Business Owners Policy combines commercial property insurance, general liability insurance, and business interruption coverage into one cost-effective program — structured by an independent California commercial insurance broker, not pulled off a carrier shelf.
Instead of purchasing multiple policies separately, a BOP bundles the essential protections that keep a California small business operating after an unexpected loss.
Protects your building, furniture, equipment, inventory, tools, and computers from covered losses such as fire, theft, vandalism, and certain weather events.
Protection if your business is accused of causing bodily injury, property damage, or advertising injury to a customer, vendor, or third party.
Replaces lost income and ongoing expenses if a covered loss forces your business to temporarily suspend operations — the business interruption insurance most owners overlook.
Covers sudden mechanical or electrical breakdowns involving HVAC systems, refrigeration, electrical panels, computers, and other critical business equipment.
Pays certain medical expenses when a non-employee is injured on your premises, regardless of fault — resolving small incidents before they become claims.
Protection against allegations such as libel, slander, copyright infringement, and advertising-related claims.
Helps protect your business when employees use rented, leased, or personal vehicles for company business.
Wellington Partners Insurance Services structures California Business Owners Policy coverage for a wide range of small business operations, including:
Business Owners Policies are generally designed for small to midsize businesses with relatively straightforward operations. Many California businesses qualify if they:
Eligibility requirements vary by carrier and industry. If your operations have outgrown BOP eligibility, we can structure the same protection through a commercial package policy — request a quote and we'll recommend the right approach.
Unlike captive insurance companies that only offer one carrier's products, Wellington Partners Insurance Services is an independent California commercial insurance broker working with multiple commercial insurance markets to identify the best combination of coverage, pricing, and carrier strength for your small business insurance program.
Our team evaluates:
This allows us to build a customized insurance program that protects your business today while supporting long-term growth.
Every business faces unique risks. Our team will review your operations and provide a competitive Business Owners Policy quote with options from multiple insurance carriers — start your quote or call (818) 492-4355.
Protect your property, income, and reputation with a customized Business Owners Policy from Wellington Partners Insurance Services. Call (818) 492-4355 or request a quote today.
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