Business Owners Policy (BOP)
Guardian Insurance Agency
Two core covers. One clean policy.
It guards your place. It guards your balance sheet.
It lets you get back to work.
Why a BOP
Business moves fast. Trouble follows.
Fire, theft, broken gear, lost income.
Claims for injury or damage.
A BOP stacks property and liability together.
Simple. Strong. Straight.
Property — protects what you own
We pay to repair or replace covered property.
We help keep income moving when work stops after a covered loss.
Covers, typically:
- Building & tenant improvements
- Equipment, tools, furniture, tech
- Inventory / business personal property
- Business income & extra expense
Note: Flood and earthquake are usually separate. Ask us. We’ll set it right.
Liability protects what you’ve built
We cover claims that say you caused injury or damage.
We cover personal & advertising injury.
We include medical payments for small hurts.
Good when:
- You meet clients at your place or theirs.
- You touch their gear or space.
- People could get hurt. Property could break.
What a BOP doesn’t cover
Some risks need their own guard:
- Professional Liability / E&O (bad advice, design errors)
- Workers’ Compensation (injuries to your team)
- Commercial Auto (vehicles on the road)
- Flood / Earthquake (often excluded)
- Cyber (data breach, privacy claims)
- EPLI (hiring, firing, harassment)
We stack the right policies. No gaps. No surprises.
Who should get a BOP
You run a shop, office, or workspace.
You keep gear or stock on‑site.
You meet clients.
You want value and order two covers, one policy.
What sets the price
Your trade. Your place.
Building age and safeguards.
Revenue. Payroll.
Claims behind you.
Limits, deductibles, endorsements.
Smart add‑ons
- Equipment Breakdown
- Ordinance or Law (cost to meet new codes)
- Business Income & Extra Expense (right limits, right waiting period)
- Inland Marine / Tools & Mobile Equipment
- Property in transit / outdoor signs
- Cyber Liability
- EPLI
- Hired & Non‑Owned Auto Liability (HNOA)
Small lines. Big peace.
The Guardian way
We read your lease and your contracts.
We list your assets and your flow of cash.
We size the limits. We place the riders.
Then we stand watch.
Guardian Insurance Agency — Proper protection—prior to peril.
Call
+1 888 388 2864
Visit
1818 E 1st Street #530 Santa Ana CA 92705