As a small business owner, you face a variety of risks from accidents to lawsuits to natural disasters. A business owners policy, or BOP, is a smart, affordable way to protect your business from these unexpected events. And, we’re confident that we have the BOP that’s right for you.

Our BOP is specifically designed to safeguard Main Street businesses and offices in New York. What’s more, you can choose the right level of coverage, depending upon the specific needs of your business.

Interested in Granada Indemnity BOP insurance for your business? Please complete our quick online questionnaire or have your agent or broker call us. Or, you can contact our BOP division today for a Granada Indemnity insurance producer near you.

If you are an agent or broker and interested in offering Granada Indemnity’s excellent-rated BOP to your NY clients, please complete our producer appointment request form.

COVERAGES

Our BOP insurance is designed to protect many types of businesses throughout New York including:

Retail Stores & Services
- Auto Part Stores
- Appliance Stores (includes Cell Phone Stores)
- Barber Shops
- Beauty Shops
- Clothing Stores – No Bridal Shops
- Convenience Stores – No Gas Stations; No Vape and/or Smoke Shops
- Dental Laboratories
- Dry Cleaners – No Plants
- Fabric Stores
- Gift Shops
- Hobby, Craft or Artist Supply Stores
- Jewelry Stores
- Mail Box or Packaging Stores
- Nail Salons
- Shoe Stores
- Stationery Stores
- Pet Supply Stores – No Sales of Pets
- Photo Studios
- Printing Shops
- Variety Stores
Professional Offices
- Accounting Services
- Advertising and Related Services
- Bookkeeping Services
- Collection Agencies – No Repo
- Dental Offices
- Insurance Businesses
- Law Firms
- Medical Offices – No Veterinarians
- Mortgage Brokers
- Realtors
- Travel Agencies – No Guided Tours
Food & Beverage Stores
- Bakery/Bagel Shops
- Beverage Stores w/Liquor
- Candy Stores
- Delis
- Fruit & Vegetable Stores
- Grocery Stores
- Meat and/or Poultry Stores
- Seafood Stores

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A BOP bundles two primary coverages to protect against liability and property risks:

General Liability

General liability covers you and your business from claims of bodily injury, property damage and negligence related to your products, services or operations.

Property

Property can help pay for expenses to repair or replace the property your business owns and leases, such as furniture, equipment, inventory, and fixtures when it's damaged by fire, theft, or another type of disaster.

Plus, businesses with specific needs can tailor their BOP by choosing among three coverage levels – Silver, Gold and Platinum. So, whether you’re looking to add professional liability, water backup, spoilage, or something more, it’s easy to find the right blend of insurance products to keep your business running smoothly.

CLAIMS BENEFITS

With decades of practical knowledge serving small to mid-sized businesses, we understand the importance of serving your customers. That’s why, in the event of a loss, you'll have the claims expertise, resources and support you need right by your side to quickly get your business back up and running.

* Please contact us for a list of available coverages by class.