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Business Owner Policy

Businesses can bundle property and liability coverage into a Business Owners Insurance Policy that allows your business to obtain broad coverage with affordable premiums.


This type of policy was design to help small business owners to combine most of their insurance necessity into one package. It is highly recommended to Restaurant, Retail Store and Offices. Most of these policies can include some of the of the following coverages:


  • Business Personal Property
  • Loss of Income
  • Signs and glass coverage
  • Additional Business expense
  • Crime and employee dishonesty coverage
  • Accounts Receivable protection
  • Equipment breakdown
  • And much more...



Besides some of these coverages, the BOP (Business Owners Policy) includes a Commercial General Liability and some cases it can include the Liquor Liability (Restaurants and bars) and Errors & Omissions for Professional business Offices (Realtors, Accountants and other professionals).

Morning Star Insurance Agency.


Morning Star Insurance Agency, is an independent insurance agency, established on December of 2009, by CEO & Founder Fred Costa. Learn More

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