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Business Owners Insurance

We'll Shop Insurance For You

With so many insurance companies out there it’s difficult to know where to turn. We shop multiple companies for you and find what fits you best.

Commercial Property Insurance

Protect your storefront from damage sustained in fires, flooding, theft, or vandalism.

Business Income Insurance

When the unexpected happens it’s important to keep on top of daily expenses. Business income insurance covers annual expenses like payroll and rent until you get the business back on track.

Get A Free Quote

Your contact information will be used only to send quote information and will not be used for marketing or sold to any 3rd parties.

About Business Owners Insurance

These are some factors (not all) that Heritage Insurance Agents will assess in determining which of our companies fits your risk management needs. We will then shop the price to ensure the best fit within those companies.

Business Owner Policy Defined (BOP):

A Business Owner’s Policy (BOP) is a policy designed for small and midsized businesses. A BOP Insurance Policy combines business property and business liability insurance into one convenient policy. This type of policy is designed for you on your business premises only.


BOP policies combine protection from all major property and liability risks into one package. Business Owner policies are designed to fit most mercantile (retail), service, and office risks. Coverage can include:

  • Property -  Coverage for your building and contents.
  • Business interruption - Coverage for the loss of income resulting from a catastrophe that disrupts the operation of the business. 
  • Liability protection - Coverage on an occurrence basis for all operations and premises owned and operated or leased by the insured.



As an independent insurance agency, our goal is to assist you in all your insurance needs. We will help you manage and plan for all your potential risks. As professionals, we assess your needs and offer you a variety of insurance products to choose from.

Service, whether it is in response to an insurance claim or general question, is the most important value we offer you.

We work hard to build a trusted relationship with our customers. We strive to make you feel both comfortable with and confident in our abilities by acting as your consultant. We are an organization dedicated to our customers. We seek out the best companies that offer the appropriate coverage's at a fair price.