Business owners coverage for Main Street
A bakery in the Old Port, a dental office in Falmouth, a gallery in Kennebunkport. One package, written around how your business actually runs.
Sample premiums from $64 a month. Sample figures for illustration.
How we approach business owners (bop) coverage
A business owners policy combines commercial property, general liability and business income coverage at a lower price than buying each separately. It is designed for small and mid-sized businesses with a physical location and a straightforward risk.
We start by visiting or video-walking your space. Equipment, inventory, tenant improvements and seasonal revenue swings all shape the right limits. Then we add what a standard BOP leaves out: cyber liability, employment practices, liquor liability or professional coverage, depending on your trade.
How a quote comes together
Most business owners (bop) quotes take one conversation and a day or two of comparison.
Walk the space
In person or by video, so limits match what is actually on site.
Map the gaps
We identify exposures a standard BOP excludes for your industry.
Market the account
Regional and national carriers quote the same package.
Certificates on demand
Once bound, we issue certificates for landlords and clients within hours.
What moves the price
These factors carry the most weight with the carriers we represent. We explain each one on your quote.
Type of business
Restaurants and contractors price differently than offices and retail.
Revenue and payroll
Liability premiums often scale with sales or payroll.
Building details
Construction, sprinklers, age and alarm systems affect property rates.
Seasonality
Summer-heavy businesses need business income limits sized to peak months.
Claims history
Slip and fall or water claims in recent years influence pricing.
Why neighbors choose an independent agent
- Industry knowledge
- We insure hundreds of Maine restaurants, trades and professional offices.
- Fast certificates
- COIs for leases, events and contracts, usually the same day.
- Annual reviews
- We adjust limits as you add equipment, locations or employees.
- Claims in person
- After a loss we meet you on site and coordinate with the adjuster.
Often paired with business owners (bop)
All coverage
Workers' compensation
Maine-compliant coverage for employee injuries, from a two-person crew to a year-round staff of fifty.
Pricing depends on payroll and class codes
Commercial auto
Pickups, service vans and box trucks that keep your business on the road, from one vehicle to thirty.
Sample premiums from $142 a month per vehicle
Personal umbrella
An extra $1 million or more of liability above your home, auto and boat policies.
Sample premiums from $26 a month for $1M
Business owners (BOP) questions
Most small businesses with under a few million in revenue and a standard risk profile, such as retail, offices, restaurants and light service trades.
No. Workers' compensation is a separate policy required in Maine for most employers.
Flood is excluded from a BOP. Commercial flood coverage can be written separately, which matters for waterfront locations.
Usually within a few hours during business days, and often within minutes for existing clients.
Compare business owners (bop) quotes in one call
Tell us what you need to protect. A licensed agent on Fore Street shops it, explains it, and sends a clear side-by-side, usually within one business day.
No obligation. Licensed agents. Coverage subject to policy terms.