Customizable Coverage
A base BOP covers the fundamentals, but most businesses have specific exposures that require endorsements, additional coverage added to the base policy.
Customizable Coverage
This is where one agent who reads the whole file adds real value: identifying the gaps in a standard BOP and building the endorsement stack that matches your actual operations and risk profile.
What You Need to Know About Customizable Coverage
Industry-Specific Endorsements
Contractors, restaurants, retailers, and professional service firms each have specific endorsements available that address their unique exposures. A base BOP doesn't automatically include these, they're added based on your operations, and missing the right ones creates coverage gaps.
Equipment Breakdown
Covers repair or replacement of mechanical and electrical equipment that fails from internal causes, boilers, HVAC systems, production equipment. Standard property coverage only covers external perils like fire and theft, not mechanical breakdown.
Data and Cyber Endorsements
A BOP can carry basic data compromise and cyber liability endorsements. For businesses that handle client data, process payments, or rely on digital systems, these endorsements add protection without a standalone cyber policy.