The Businessowners Policy (BOP) is tailored specifically to meet your needs as a small to medium-sized business owner. Automatic coverage for accounts receivable, identity recovery, outdoor property, and valuable papers and records are just a few of the ways the BOP program can help keep you worry free!


Examples of the eligible businesses include:

  • Apartment Buildings
  • Contractors
  • Mercantile
  • Processing
  • Service
  • Wholesale
  • Many More!

Property Coverage

We recognize the importance of protecting your business’ tangible and intangible assets. Available property coverages on the BOP include:

Not only includes your structure, it also covers additions, permanently installed fixtures and equipment along with personal property used to service or maintain your building

Covers items within your building such as furniture and fixtures, machinery and equipment, stock and all other personal property owned by you and used in your business. It also covers personal property of others if you are responsible for the property while in your possession.

Liability Coverage

The increasing number of lawsuits and associated legal fees in today’s world makes it necessary to have the best liability coverage available. The BOP includes:

Provides protection if you are liable for bodily injury or property damage. You also have protection under personal and advertising injury if you are sued for libel or slander

Provides peace of mind if someone is injured on your premise even if you are not liable for their injury

Business Income and Extra Expense

In the event that you experience a covered loss, which prevents you from immediately reopening your business, the BOP pays for your lost Business Income and Extra Expenses incurred for up to 12 consecutive months after the loss.

Identity Recovery (IDR)

If you are a victim of identity theft, IDR protection helps restore your credit history and identity records to pre-theft status.

Find out more about our Businessowners policy and obtain a free quote by contacting your local IMT Independent Insurance Agent!

1 Indicates higher limits may be purchased.

This is a brief summary of coverage and is intended only as an aid in selecting a policy. Review the actual policy for details on all coverages, terms, limits, conditions and exclusions, or contact your IMT Independent Insurance Agent for complete details.

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