{"id":10519,"date":"2018-09-24T11:02:25","date_gmt":"2018-09-24T15:02:25","guid":{"rendered":"https:\/\/www.artinsurancenow.com\/blog\/?p=10519"},"modified":"2018-09-24T11:02:25","modified_gmt":"2018-09-24T15:02:25","slug":"business-insurance-basics","status":"publish","type":"post","link":"https:\/\/www.artinsurancenow.com\/blog\/business-insurance-basics\/","title":{"rendered":"Business Insurance Basics"},"content":{"rendered":"<p>You may not be able to protect against all the risks your business faces, but you can manage some of them with\u00a0business insurance. This is what a business owner\u2019s policy, or BOP, is designed to help you do.<\/p>\n<p>Risk comes with the territory when you run a small business. Negative cash flow, personnel issues, accidents on your premises, fire or flood \u2014 these are just a few of the risks that can disrupt the stability of your business. One lawsuit or catastrophic event can be enough to set your business back and may even force you to close your doors.<\/p>\n<h2>Business Owner\u2019s Policy: Designed for Small Business Owners<\/h2>\n<p>A\u00a0BOP\u00a0is a policy designed specifically for the needs and budget of small business owners, and the risks they commonly face. BOPs bundle two types of protection in a single policy \u2014 commercial property and general liability insurance \u2014 which allows providers to sell them for less than two policies sold separately.<\/p>\n<p>BOPs are also customizable. You can add on coverages to tailor a policy to the specialized needs of your business or industry.<\/p>\n<p>A BOP may be right for you if your business has fewer than 100 employees, meets certain maximum income requirements and is a low-risk operation. Businesses that are larger, highly specialized or have high-risk operations may need more coverage than a BOP can provide.<\/p>\n<p>Here\u2019s a closer look at the coverages that are included with a BOP.<\/p>\n<h2>Property Insurance<\/h2>\n<p>The property portion of a BOP covers damage to your business caused by fire, explosion, windstorms, theft, vandalism and any other perils specifically listed in the policy. The types of property that are covered by a BOP include:<\/p>\n<ul>\n<li>Buildings you own, lease or rent<\/li>\n<li>Essential business personal property such as equipment, inventory and supplies<\/li>\n<li>The property of others while it is in your care<\/li>\n<\/ul>\n<p>If your building is vandalized, for example, your BOP policy will help cover the cost to repair the damage and replace any damaged contents. If a customer\u2019s property on the premises was also damaged, a BOP will help pay to replace that, too.<\/p>\n<p>But BOP property coverage is not all-inclusive. When purchasing a policy, be sure you understand what business properties and perils are included and excluded to avoid any surprises should you need to file a claim. If you want broader protection beyond the standard BOP, you may be able to purchase a \u201cspecial\u201d BOP form that provides all-risk coverage for a higher premium.<\/p>\n<h2>Liability Insurance<\/h2>\n<p>Lawsuits can be costly even if you\u2019ve done nothing wrong. The liability portion of a BOP offers financial protection if a third party sues you for:<\/p>\n<ul>\n<li>Damage to the third party\u2019s property while under your care<\/li>\n<li>Physical injuries suffered on your premises, such as slip-and-fall accidents<\/li>\n<li>Advertising injuries, including copyright infringement, slander and liable<\/li>\n<\/ul>\n<p>Your BOP policy will help pay lawyers\u2019 fees, settlements or judgments and other costs related to a lawsuit. It may also cover up to one year of medical expenses for an injury sustained by a third party on your premises or as a result of your business operations or products.<\/p>\n<h2>Business Income Insurance<\/h2>\n<p>Property insurance may cover your business\u2019s physical assets, but it does not cover lost revenue that results from those damages.\u00a0Business income insurance\u00a0is a way to help sustain cashflow if you need to suspend operations while recovering from a covered property loss.<\/p>\n<p>Many BOPs include business income insurance as part of the property coverage. If your business is interrupted, this important coverage can help pay for ongoing expenses such as employee payroll and rent. It may also cover the extra expense of running your business out of a temporary location while your property is restored.<\/p>\n<p>Many policies limit business income protection to six or 12 months of lost revenue. Be sure to review the time limits associated with your policy with Bernard Fleischer &amp; Sons Inc.<\/p>\n<h2>Additional Coverages<\/h2>\n<p>If your business or industry faces additional hazards beyond those covered by the BOP, you can customize your policy with riders or endorsements that add insurance protection for specific risks. For example, many insurance providers offer endorsements for:<\/p>\n<ul>\n<li><strong>Data breach:\u00a0<\/strong>If your business experiences a data breach, this coverage can help with the cost of notifying affected parties, protecting stolen identities and engaging credit monitoring services, as well as help with legal defense, settlement or judgment costs.<\/li>\n<li><strong>Professional liability:<\/strong>\u00a0This coverage protects your business from lawsuits claiming that your business committed a negligent act, error or omission in professional services provided to a client or customer.<\/li>\n<li><strong>Spoilage insurance:<\/strong>\u00a0If you sell perishable stock such as food or plants, spoilage insurance can protect your lost income should stock expire due to contamination, equipment breakdown or a power outage.<\/li>\n<\/ul>\n<p>A standard BOP covers the primary risks associated with running a small business, but it doesn\u2019t cover everything. You\u2019ll still need to purchase\u00a0workers\u2019 compensation insurance\u00a0if you have employees,\u00a0commercial auto insurance\u00a0if you have a business-owned vehicle, and other types of insurance depending on your business. If you need extra coverage beyond the limits of the standard BOP, you can also supplement your coverage with an\u00a0umbrella insurance\u00a0policy.<\/p>\n<p>Talk to us to learn if you qualify for a BOP and if you do, what coverages and limits may be right for your business.<\/p>\n<p>We are here to help. Call us at 800.921.1008 and Live Chat with us at <a href=\"http:\/\/www.artinsurancenow.com\">www.artinsurancenow.com<\/a><\/p>\n<p><a href=\"https:\/\/www.artinsurancenow.com\/form\/business.php\"><img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"10411\" data-permalink=\"https:\/\/www.artinsurancenow.com\/blog\/chelsea-art-galleries-catch-fire\/button_get-a-free-quote\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2018\/07\/button_get-a-free-quote.png?fit=208%2C40&amp;ssl=1\" data-orig-size=\"208,40\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"button_get-a-free-quote\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2018\/07\/button_get-a-free-quote.png?fit=208%2C40&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2018\/07\/button_get-a-free-quote.png?fit=208%2C40&amp;ssl=1\" class=\"aligncenter size-full wp-image-10411\" src=\"https:\/\/i0.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2018\/07\/button_get-a-free-quote.png?resize=208%2C40&#038;ssl=1\" alt=\"\" width=\"208\" height=\"40\" data-recalc-dims=\"1\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"10414\" data-permalink=\"https:\/\/www.artinsurancenow.com\/blog\/chelsea-art-galleries-catch-fire\/art_signature-3\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2018\/07\/Art_Signature.jpg?fit=2236%2C250&amp;ssl=1\" data-orig-size=\"2236,250\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Art_Signature\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2018\/07\/Art_Signature.jpg?fit=300%2C34&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2018\/07\/Art_Signature.jpg?fit=474%2C53&amp;ssl=1\" class=\"aligncenter wp-image-10414\" src=\"https:\/\/i0.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2018\/07\/Art_Signature.jpg?resize=474%2C54&#038;ssl=1\" alt=\"\" width=\"474\" height=\"54\" srcset=\"https:\/\/i0.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2018\/07\/Art_Signature.jpg?resize=300%2C34&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2018\/07\/Art_Signature.jpg?resize=768%2C86&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2018\/07\/Art_Signature.jpg?w=948&amp;ssl=1 948w, https:\/\/i0.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2018\/07\/Art_Signature.jpg?w=1422&amp;ssl=1 1422w\" sizes=\"(max-width: 474px) 100vw, 474px\" data-recalc-dims=\"1\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You may not be able to protect against all the risks your business faces, but you can manage some of them with\u00a0business insurance. This is what a business owner\u2019s policy, or BOP, is designed to help you do. Risk comes with the territory when you run a small business. Negative cash flow, personnel issues, accidents &hellip; <a href=\"https:\/\/www.artinsurancenow.com\/blog\/business-insurance-basics\/\" class=\"more-link\">Continue reading <span class=\"screen-reader-text\">Business Insurance Basics<\/span> <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":10521,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[196],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Business Insurance Basics - Protecting Art Nationwide | Art Insurance for Artists, Galleries &amp; Collectors from New York to California<\/title>\n<meta name=\"description\" content=\"These are just a few of the risks that can disrupt your business and how to prevent them using business insurance with Bernard Fleischer &amp; Sons Inc.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.artinsurancenow.com\/blog\/business-insurance-basics\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Business Insurance Basics - Protecting Art Nationwide | Art Insurance for Artists, Galleries &amp; Collectors from New York to California\" \/>\n<meta property=\"og:description\" content=\"These are just a few of the risks that can disrupt your business and how to prevent them using business insurance with Bernard Fleischer &amp; Sons Inc.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.artinsurancenow.com\/blog\/business-insurance-basics\/\" \/>\n<meta property=\"og:site_name\" content=\"Protecting Art Nationwide | Art Insurance for Artists, Galleries &amp; Collectors from New York to California\" \/>\n<meta property=\"article:published_time\" content=\"2018-09-24T15:02:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2018\/09\/architecture-buildings-business-331990-1.jpg?fit=800%2C533&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"533\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"wfleischer\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.artinsurancenow.com\/blog\/#website\",\"url\":\"https:\/\/www.artinsurancenow.com\/blog\/\",\"name\":\"Protecting Art Nationwide | Art Insurance for Artists, Galleries &amp; 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I get it, most artists have lofts, special rooms or detached structures where they create, show and sell their art. The Limitation and Exclusion: Business personal property on premises. Here\u2026","rel":"","context":"In &quot;Artist Insurance&quot;","img":{"alt_text":"Artist Paints Image","src":"https:\/\/i0.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2016\/04\/artist-paints-986366_640.jpg?fit=640%2C359&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":243,"url":"https:\/\/www.artinsurancenow.com\/blog\/insurance-for-art-gallery-or-gallery-insurance\/","url_meta":{"origin":10519,"position":1},"title":"Insurance for Art Galleries","date":"August 20, 2014","format":false,"excerpt":"Our customized insurance policies\u00a0are geared toward your typical Art Galleries, Museums, Exhibition space, and Dealer businesses.\u00a0 We combine General Liability, Public Liability (Bodily Injury and Property Damage) into one\u00a0straightforward policy along with non-salable contents, desks, chairs, computers, fixtures, racks and business property.\u00a0Our policies can include landlords, curators, and artists as\u2026","rel":"","context":"In &quot;Art Collector&quot;","img":{"alt_text":"Art Gallery Image","src":"https:\/\/i0.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2014\/08\/Art-Gallery-Image.jpg?fit=640%2C389&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":256,"url":"https:\/\/www.artinsurancenow.com\/blog\/exhibition-policy-or-not\/","url_meta":{"origin":10519,"position":2},"title":"Exhibition Policy or not?","date":"October 22, 2014","format":false,"excerpt":"Email regarding having Artist shows in an Office Environment. I am an attorney, however, I put an art gallery in my law firm space. The agreement I have with the artists is that they allow me to hang their work for 3 to 4 weeks. I promote their work to\u2026","rel":"","context":"In &quot;Art Dealer&quot;","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/artinsurancenow.com\/blog\/wp-content\/uploads\/2014\/10\/corporate-art-300x199.jpeg?resize=350%2C200","width":350,"height":200},"classes":[]},{"id":10177,"url":"https:\/\/www.artinsurancenow.com\/blog\/displaying-selling-exhibitions-owned-consigned-renting-sold\/","url_meta":{"origin":10519,"position":3},"title":"Displaying &#038; Selling Exhibitions! Owned, Consigned, Renting, Sold!","date":"February 14, 2018","format":false,"excerpt":"Does your Art Dealer policy cover you? Not all Art Dealer policies do. The reality is most art dealer insurance forms exclude or limit coverage important to your business operations. Those policies either specifically exclude artwork on consignment, off premises, at exhibitions, and in transit. Fortunately ArtInsuranceNow.com | Bernard Fleischer\u2026","rel":"","context":"In &quot;Art Dealer&quot;","img":{"alt_text":"Art-Transport","src":"https:\/\/i0.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2018\/02\/Art-Transport.gif?fit=900%2C600&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":10574,"url":"https:\/\/www.artinsurancenow.com\/blog\/houston-art-studio-destroyed-in-fire\/","url_meta":{"origin":10519,"position":4},"title":"Houston Art Studio Destroyed in Fire.","date":"December 18, 2018","format":false,"excerpt":"Smash Design, the Popular Houston Art Studio behind some of the city\u2019s most recognizable art pieces has been destroyed by fire. The devastating blaze is suspected to have been ignited by a recently added LED light panel, destroying everything of value including several hundred thousand dollars\u2019 worth of pneumatic tools\u2026","rel":"","context":"In &quot;Artist Insurance&quot;","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2018\/12\/houston-texans-bull.jpg?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":178,"url":"https:\/\/www.artinsurancenow.com\/blog\/what-is-conversion-exclusion-in-a-fine-art-antique-jewlery-policy\/","url_meta":{"origin":10519,"position":5},"title":"What is Conversion exclusion in a fine art, Antique, Jewelry policy","date":"March 10, 2014","format":false,"excerpt":"The Story; A collector or Museum consigns a work to a dealer to sell.\u00a0 The dealer does his job and sells the work, but does not pay the Collector or Museum.\u00a0 This is now considered a loss of property and if your current policy does not address this type of\u2026","rel":"","context":"In &quot;Antique&quot;","img":{"alt_text":"Art Insurance Now Gallery","src":"https:\/\/i0.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2014\/03\/AIN-Gallery.jpg?fit=640%2C427&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]}],"jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/posts\/10519"}],"collection":[{"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/comments?post=10519"}],"version-history":[{"count":2,"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/posts\/10519\/revisions"}],"predecessor-version":[{"id":10523,"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/posts\/10519\/revisions\/10523"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/media\/10521"}],"wp:attachment":[{"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/media?parent=10519"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/categories?post=10519"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/tags?post=10519"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}