Business Owner's Insurance

As an independent insurance agency, A to Z Insurance provides exceptional service with the most affordable prices. With over 23 years of experience in the Delaware, Maryland and Pennsylvania area, and five convenient locations in Milford, Georgetown, Dover and Wilmington, A to Z Insurance Agency guarantees a protection plan that will meet specific needs to each of our clients we protect. We also have services that encompass notary stamping and documenting, small business book keeping, financial planning and investing, income tax preparation, community events, web and social media design for new businesses, new business start up plans, translation services, event protection for weddings/concerts and travel/trip planning. 

Now about commercial insurance...

The success of a business, whether it's a tiny enterprise or a large corporation, is dependent on hard work and ingenuity. However, no matter how industrious you are, one disaster can wipe out all your profits and even destroy your business. The key to making sure that all the effort and money you have invested in a business doesn't disappear when a disaster strikes is to protect it with the appropriate insurance.

What Does a Business Owners Policy Cover?

Insurance companies selling business insurance offers different policies that combine protection from all major property and liability risks in one package. (They also sell coverage’s separately.)

One package purchased by small and mid-sized businesses is the Business Owners Policy (BOP). Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face.

BOPs include:

  1. Property insurance for buildings and contents owned by the company -- there are two different forms, standard and special, which provides more comprehensive coverage.
  2. Business interruption insurance, which covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location.
  3. Liability protection, which covers your company's legal responsibility for the harm it may cause to others. This harm is a result of things that you and your employees do or fail to do in your business operations that may cause bodily injury or property damage due to defective products, faulty installations and errors in services provided.

BOP’s do NOT cover professional liability, auto insurance, worker’s compensation or health and disability insurance. You'll need separate insurance policies to cover professional services, vehicles and your employees.

Please contact us for more information.

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