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General Business Insurance

For non-film production companies 

General Business Insurance

Film Emporium offers cheap rates on quality general insurance policies.  This programs is for all professionals Including: all medical fields, accountants, clerical offices, etc. and institutions including: media or entertainment, music, movie/TV productions and events.

           

Rates start as low as $500.00.

         

The basic types of insurance are available to protect your business: property, liability and workers' compensation. Workers' compensation insurance is required by law in all 50 states. Although property and liability insurance are not always mandatory, it makes sense to protect all of your company assets with property and liability insurance.  

       

Business owner's policies (BOPs) are insurance packages that provide both property and liability coverage at one affordable premium. These packaged policies are available to most small and medium-size companies and can be a good alternative to purchasing separate policies for liability and property Insurance.  

     

Large companies and businesses that are considered high risk usually do not meet the criteria for a BOP. The criteria for BOP eligibility includes the size of the premises, the required limits of liability, the type of business and the extent of offsite activity. Premiums for BOPs are based on similar factors, including: business location, financial stability, building construction, security features and fire hazards.  

       

What Does a BOP Cover?  

     

A BOP includes property protection for an office building and its contents as well as other people's property brought into the office building. BOPs cover standard perils, including fire and theft, although certain exclusions apply, such as damage caused by floods and earthquakes.  

       

Under a BOP, a business selects the amount of liability coverage it needs based on its assets. Liability coverage pays for the cost of defending the business in a lawsuit and pays damages if the business is sued for injury or property damage. The liability policy also pays the medical expenses of those injured, other than employees, as a result of business operations.

         

A BOP provides coverage for both business interruption and replacement costs if an emergency disrupts or destroys the business. Business interruption insurance not only compensates for lost income and the expenses incurred when a company is forced to vacate its premises due to disaster-related damage, but it also covers operating expenses, such as payroll, which continue even when business activities have ceased. Replacement-cost coverage pays to replace damaged or stolen property, equipment and inventory without deducting for depreciation.  

       

In addition to the basic BOP, businesses may purchase add-on coverage based on the particular risks associated with the company. For example, a dry cleaner might purchase additional coverage for mechanical breakdown, which would cover the machinery the business relies on. A retailer with numerous employees might carry coverage for employee dishonesty, which covers loss of business property due to embezzlement, fraud or another criminal act.

     

 

Disclaimers

The content displayed on this website is for informational purposes only and is not an offer of insurance.  The purpose of the provided information is to assist in the general understanding of available coverage and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered.  Coverage is subject to underwriting approval and the referenced coverage on this website may not be available in all territories and may vary depending on exposure. Coverage is also subject to minimum premiums that may vary by state.

 

Read Definitions of Insurance for more details.  

 

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