Business Owner’s Insurance Policy

Running a small business involves a significant investment in time and money. Business owners insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster. Unless you are an employer, business insurance is generally not required by law, however, it is common practice to purchase enough insurance to cover your assets. If your business is an LLC or a corporation, your personal assets are protected from business liabilities; however, neither business structure is a substitute for liability insurance, which covers your business from losses.*

A business owners insurance policy will combine property, liability and business interruption coverage all in one easy policy for small to medium-sized businesses. By packaging these coverages together, you will generally see a discount in your premium.

Business owners insurance can offer you complete coverage for your medium to small businesses – best suited for companies with less than 100 employees and less than $5 million in revenue. A business owners policy, also known as BOP insurance, combines several types of insurance together into one cost-savings package. With completely customizable coverage options, we can fit the package to your specific needs.

With a business owners policy, your small business can get property insurance, liability insurance, and additional protection all in one place. Small business owners insurance coverage will protect you from:

Property claims
Equipment breakdown
Income loss
Professional liability claims
Products and completed operations claims
Fire legal liability claims
Premises liability claims

Supplemental coverages are also available. Call a Karen & Michael Quigley Insurance Agency agent to discuss specifics of your business.

“Karen, I cannot tell you how much we appreciate everything you do for us. Your assistance with Blue Shield was invaluable. You are a light at the end of the tunnel and a blessing in our lives.”

John L.
“Karen, thank you for helping us navigate the crazy insurance market during the last few months. We’re so glad we met you and you are handling all our insurance.”

Cheryl & Joe S.
“Thank you my dear friend Karen for being the best insurance broker in the West. You go way above and beyond. I found a medical policy that has excellent benefits at a competitive rate.”

Monique P.
“Thank you Karen! You are a world class agent for stepping up and assisting me with my claim. I appreciate your help more than you know and highly recommend your excellent service!”

Steve P.
“We have been a client of the Quigley Insurance Agency for over seven years. During this time, we have relied on Karen’s advice and expertise. She has guided us with our medical, long term care, auto, home, and earthquake insurance policies. Karen is always responsive to our concerns. We have recommended several of our friends to the Quigley Insurance Agency because we know they are in good hands.”

Carol & Ed P.
“I am extremely pleased with the excellent service of the Quigley Insurance Agency. So often one has to fight with an agent over an issue or concern. This agency is there to help in any way they can with the utmost professionalism. I am here to recommend them in any way possible.”

Louis L.
“We have been working with Michael for over five years. As our needs have changed, and insurance companies have changed their terms and premiums, he has worked with us to provide the coverage we need while keeping our costs in mind. We feel Michael has been professional, responsive, and proactive in finding us the best value for our insurance needs.”

Debbie & William H.
“I refer everyone to Karen and tell them she is the best insurance agent in the industry!”

Ray C.
“I have been working with Michael since 2008. He is incredibly knowledgeable, consultative, and proactive in helping our family business find the best coverage for the best price for our commercial properties. I highly recommend his services.”

Deborah L.
“I come from a family of insurance people and understand the value of being covered for the unknowns. When I moved to LA in 1996 a friend referred me to Karen. I have been with her since then and our lives and business have grown with her and Michael’s support and knowledge. We have both personal and business insurance with her agency. If I have an issue, Karen and Michael always have an answer, options and solutions. There is a sense of security knowing they are taking care of us.”

Jeanne L