Le Mars Insurance Company - A Donegal Insurance Group Company

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Commercial Insurance Products

Businessowners Insurance

Protecting Your Business

Our Businessowners Insurance program (BOP) is designed to meet your unique business insurance needs and provide the protection you want. It provides property coverage for your building and its contents, as well as liability coverage for legal liability exposures specific to your business.

You can choose the coverage dollar limit for buildings and business personal property. In most cases, we’ll provide coverage at replacement cost, with no depreciation deduction and no coinsurance required.

BOP also provides coverage for loss of business income. An important part of your coverage, this pays for actual loss of income in the event of a covered loss during the time your property is being repaired or replaced.

Coverage applies for up to 12 consecutive months, with no dollar limit or waiting period for coverage to begin.

BOP automatically covers you for losses arising from mechanical breakdown of any equipment that generates, transmits or utilizes energy, or operates under vacuum or pressure.

Finally, we offer a broad range of optional coverage to fulfill the "special" needs of most businessowners. The result is a custom-tailored insurance plan just for you. After all, more than 100 different classes of businesses are eligible!