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Business Owners Policy for Louisiana Small Businesses
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A Convenient Package for Small Businesses
One Policy. Big Protection.
A business owners policy combines general liability, commercial property, and business interruption into one package. For Metairie retailers on Veterans Boulevard, New Orleans restaurants near Magazine Street, and office firms across Jefferson Parish, a BOP keeps coverage simple and priced for small business budgets.
What A BOP Covers
Property, Liability, and Income
Property coverage insures your building or tenant improvements, inventory, and equipment for perils like fire, theft, or wind. Business interruption replaces lost income and pays extra expense if a covered loss shuts your doors. General liability covers injuries, property damage, and product or advertising claims brought by others. We can tailor endorsements like equipment breakdown, crime, and basic cyber options to match how your business operates.
Who Needs A BOP
Right-sized Protection for Many Industries
Boutiques in Old Metairie, coffee shops in Mid-City, small warehouses near Elmwood, and professional offices throughout the New Orleans area often qualify. If you have customers on site, inventory to protect, or a lease that requires insurance, a BOP is a smart foundation.
BOP vs Other Policies
Choose the Structure that Fits
Some solo consultants may only need general liability insurance if they have little property. Growing firms that own vehicles should add commercial auto insurance for business use. Granen Insurance will compare BOP eligibility with custom packages so you get the best value and no gaps.
FAQ – BOP
Answers for Louisiana Owners
Can a BOP include workers comp or commercial auto?
No. Those are separate policies, but we coordinate them.
What does a typical BOP cost?
Pricing depends on class, location, and limits. Simple offices may pay a few hundred per year while busier risks pay more.
Does a BOP cover employee theft or cyber incidents?
Only if added. Ask about crime and cyber endorsements for your operation.
Streamline Small Business Protection
Comprehensive Coverage for Louisiana Businesses
A Business Owners Policy combines general liability and property insurance into one package—ideal for small and mid-sized businesses seeking simplicity and savings.