Running a business in Florida comes with opportunity — and risk. Between hurricanes, liability claims, and day-to-day operations, protecting your company means more than just good intentions — it means smart insurance planning.

A Business Owners Policy (BOP) combines general liability and commercial property coverage into one streamlined package — saving you time, money, and stress.

At Waterfront Insurance, we help Florida entrepreneurs, contractors, and property owners design customized BOPs that protect what matters most: your business, your assets, and your peace of mind.

A BOP bundles your most essential coverages into one affordable policy — ideal for small to medium-sized businesses. It protects you from both property losses and liability claims, often with optional endorsements to fit your industry.

Typical BOPs include:

Coverage Type What It Protects General Liability Covers lawsuits for bodily injury, property damage, or personal injury (libel/slander).Commercial Property Protects your building, office, inventory, and equipment from fire, theft, vandalism, and storms. Business Interruption (Loss of Income)Replaces lost income if you can’t operate due to a covered loss. Equipment Breakdown Covers repair or replacement of damaged mechanical or electrical systems. Employee Dishonesty / Theft Optional coverage for internal losses. Hired & Non-Owned Auto Adds liability protection if employees use personal vehicles for work. 

The BOP gives you broad protection under one plan — with the flexibility to add endorsements for specialized needs.

A Business Owners Policy is perfect for:

• Real estate & property management companies
   
• Retail stores & boutiques
   
• Restaurants, cafés, and bars
   
• Contractors, builders, and service trades
   
• Professional offices (law, finance, consulting)
   
• Salons, spas, and wellness providers
   
• Small manufacturers or distributors
   
• Technology, design, and marketing firms
   

If your business owns or leases property, interacts with the public, or could lose income due to a covered event, a BOP is the smart foundation for your coverage strategy.

Florida’s business environment is dynamic — but it also faces unique risks:

• Hurricanes & windstorms that damage roofs, signs, and inventory
   
• Water damage & power outages disrupting business operations
   
• Slip-and-fall injuries or customer accidents
   
• Employee negligence or property damage
   
• Equipment breakdowns during critical operations
   
• Litigation & liability exposure for service-based businesses
   

A properly structured BOP helps protect your business from financial loss — whether from natural disaster, property damage, or lawsuits.

While a BOP is broad, certain exposures require additional coverage:

• Workers’ Compensation
   
• Commercial Auto
   
• Professional Liability (Errors & Omissions)
   
• Flood or Earthquake
   
• Cyber Liability
   
• Employment Practices Liability
   

We’ll help you fill those gaps with complementary policies — all coordinated under one insurance strategy.

Business Owners Policies are typically more affordable than buying separate coverages. Premiums depend on:

Factor Impact Business type & industry risk Construction > Retail > Professional Services Property location Coastal areas may have higher wind & flood exposure Building construction & occupancy Fire resistance, security, and maintenance affect rates Annual revenue & payroll Larger operations = higher exposure Claims history Clean history helps keep premiums low Coverage limits & deductibles Customizable for your risk tolerance 

Typical small business premiums range from $500 to $5,000 per year, depending on property values and liability needs.

Bundled Savings: One policy = lower cost and easier management.
Comprehensive Protection: Covers property, liability, and income under one plan.
Custom Add-Ons: Tailor to your industry and risk profile.
Meets Contract Requirements: Often required by landlords or clients.
Peace of Mind: Simplifies protection so you can focus on growth.

✔ Florida Expertise: We understand coastal property risks, hurricane exposure, and local compliance requirements.
✔ Top-Rated Carriers: Access to trusted BOP providers offering the best value in Florida.
✔ Tailored Coverage: From single-location shops to multi-property portfolios.
✔ Fast Certificates of Insurance: For leases, lenders, or vendor contracts.
✔ One Point of Contact: Combine your BOP, Auto, Workers’ Comp, and Umbrella under one advisor.

Protect your Florida business with a policy designed for the real risks you face — not just the basics.

.
Waterfront Insurance – Florida’s Business Insurance Specialists.