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Business Owners Policy from Pennbrook Insurance Services


We’ve been helping businesses in and around San Francisco find affordable business insurance since 1982. We're an independent small business insurance broker. We specialize in commercial insurance and insurance for small business. We help small business owners get the best business insurance for your unique needs.

We offer everything from business general liability insurance to custom business insurance plans, from commercial liability insurance and commercial general liability to restaurant business insurance. Let us deal with the insurance companies and help you protect your business from financial loss. Your quote will take less than 10 minutes to prepare. Ready to see the right coverage for your Small Business?




Why Do I Need A Business Owners Policy?

As a business owner, you have many different kinds of risks. Each risk needs a different kind of business insurance. A Business Owners Policy (BOP) is a kind of property and casualty insurance that combines the best business coverage available into one policy. Buying together saves you money. It also makes it simpler and faster. You don’t need separate policies for different risks. You won’t have different bills. You won’t have different companies. Everything is easier to keep track of.

Here’s how it works: We’ll find the best way to combine various coverage options into one convenient package. That way, you’ll get more benefits than a typical Business policy and better savings because of competitive pricing.

In most cases, your Business Owners Policy will include three types of coverage:

· Business Property Insurance covers the physical location that your business owns or leases. It also protects your equipment and/or inventory. (This coverage is also called Commercial Property Insurance.)

· General Liability Insurance covers property damage that you cause. It also provides liability coverage for personal and advertising injury caused by your services, business operations or employees. (This coverage is also known as general commercial liability insurance or general liability insurance for small business.)

· Business Income Insurance replaces your lost income if a covered loss prevents you from doing business.

Whether it's professional services firms, restaurant owners, or something else, most businesses start with these three coverage. That way they have a comprehensive coverage solution. Buying the three together in a BOP makes it easy and less expensive. But that’s just the beginning. Choose a Business Owners Policy from Pennbrook Insurance Services. We'll help you customize your coverage with flexible, additional options.



Additional Coverages to Add To Your Business Owners Policy

We’ll help you make sense of the hundreds of options and additional coverages available with your Business Owners Policy. We’ll really get to know your business, and suggest smart ways to customize your business insurance plan.

Our Business Owners Policy includes some optional and additional coverages already. You can customize it even more with higher limits (for extra protection) if you choose. Additional Business Insurance coverages include:

·Data Breach

Pays to notify impacted individuals, pay for good faith advertising costs, credit monitoring, and much more.

·Employees Practices Liability Insurance (EPL)

Defends you from employees lawsuits for discrimination, harassment or other employments claims

·Professional Liability

Helps protect you from customer lawsuits for professional negligence.


How Do I Find Business Insurance Near Me?

That's easy: Choose us. We know what it takes to get your business the right coverage. Give us a call today and speak with one of our insurance specialists. Or get a fast, free Business Owners Policy online quote for your business in less than 10 minutes today.


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