Business Owners Policy

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Business Owners Policy

Business Owners Policy Coverage

Business owners policy is a form of commercial property and liability insurance which is packaged together for small businesses. A business owners policy can provide a broad range of coverage in one neat and cost effective bundle. Additionally, there are hundreds of endorsements that can be used to craft a property & liability insurance policy. These endorsements can make or break claim payments. From Business income coverage to ordinance or Law coverage, the proper endorsements can protect you in the event of a loss to your business.

In the world of commercial insurance, it is extremely important you work with a competent insurance professional to craft your business owners policy properly. A business owners policy can protect you from many things. It includes property coverage for your building and/or contents. 

It will include loss of income if your business is damaged due to a covered peril. A business owners policy is a great tool to provide insurance for your small business. Our professional insurance agents know the business owners policy backwards and forwards. We can place your coverage for you and include wind in many cases so you don’t have a separate wind policy.

There are three standardized forms for commercial insurance: Commercial Package Policy, Business Owners Policy, and Special Multi-Peril Policy. The insurance professionals at SFI Group are trained to identify which of these forms will best protect your business

"I wanted to take the time to let you know just how happy we are to have Sharon Rackley as our agent for our businesses owners policy. It seems that most of the time you only hear the complaints of our customers and I just felt compelled to write to explain what a wonderful, professional, and ethical employee you have with Sharon. Wow, a breathtaking experience to have an agent who actually cares even if your account isn’t the biggest on the books. Sharon gave us personal service an we feel that she went above and beyond her job to help us with new property & liability insurance and with the ongoing issues with our prior agent in Wilmington. She made the transition an easy one and helped with all the bumps and punches we took from our previous carriers. I am so very pleased with Sharon and SFI and I know our relationship will grow through the years because I plan on being around for a long time and I can see SFI’s future being strong too with such professional people. Thank you so very much and please forward a hug from me and from my partner Shannon to Sharon. Great Job!!!!!!!"


Sherri Schaefer, Member - Just A Dollar Plus LLC & PETMART LLC

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