Small Business Insurance
Smart Coverage for the Business You’ve Built
Running a small business means wearing a lot of hats—and insurance shouldn’t be one more thing to worry about. At Barrett Insurance, we help small business owners protect what they’ve worked hard to build with flexible, affordable insurance designed specifically for smaller operations.
A Business Owners Policy (BOP) combines essential coverages—like property and liability—into one streamlined policy, making it a practical and cost-effective option for many small businesses. We’ll help you determine whether a BOP is the right fit and tailor it to your business, industry, and risk level.
What Is a Business Owners Policy?
A BOP is designed for small to mid-sized businesses and brings multiple coverages together under one policy. It offers broad protection, simplified management, and competitive pricing—without sacrificing coverage.
Eligibility includes a wide range of business types, such as:
- Retail shops and service businesses
- Offices and professional practices
- Restaurants and food-related businesses
- Contractors and trades
- Light manufacturing
- Condo associations, garages, and apartments
If you’re not sure whether your business qualifies, we’ll walk you through your options.
Core Coverages for Small Businesses
A Business Owners Policy may include:
General Liability Insurance
Protects your business from claims involving bodily injury, property damage, and certain advertising-related claims.
Commercial Property Insurance
Covers your building, equipment, inventory, and business personal property against covered losses.
Business Income & Extra Expense
Helps replace lost income and cover additional costs if your business is temporarily shut down due to a covered loss.
Equipment Breakdown
Provides coverage for sudden mechanical or electrical equipment failures that can disrupt operations.
Computers, Data & Media Coverage
Helps protect computers, electronic data, and media essential to your daily business operations.
Money & Securities
Coverage for theft or loss of money and certain financial instruments.
Important Built-In Protections
Many small business policies include valuable protections that often get overlooked, such as:
- Fire legal liability
- Medical payments coverage
- Outdoor signs
- Off-premises property and transportation coverage
- Automatic additional insured options (where applicable)
- Identity theft coverage with resolution services
These features help address real-world risks small businesses face every day.
Optional Coverage to Fit Your Business
No two small businesses are the same. Optional endorsements allow you to expand coverage where needed, including:
- Employment practices liability
- Product withdrawal or recall coverage
- Directors & officers coverage (for certain organizations)
- Garage keepers or mechanics liability
- Contractors tools, equipment, and installation coverage
We’ll help you decide what’s essential—and what isn’t—based on how your business operates.
Inland Marine & Extended Coverage Options
For businesses that need extra protection beyond standard property coverage, additional options may include:
- Coverage for tools and equipment
- Property in transit or at job sites
- Valuable papers and records
- Electronic data and accounts receivable
- Spoilage, water backup, and debris removal
These options are especially useful for contractors, service businesses, and companies that rely on mobile equipment.
Why Small Businesses Choose Barrett Insurance
As a local, independent agency, we understand the challenges small business owners face. We take the time to learn how your business works, explain coverage in plain language, and build insurance that grows with you.
You’ll get personal service, access to multiple carriers, and a trusted advisor—not a call center.
Request a Small Business Insurance Quote
Protect your business with coverage designed to fit—not overcomplicate.
