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Selective
Selective

Start With A Business Owners Policy

Essential coverage for most small to medium-sized businesses, a Business Owners Policy helps protect your assets, employees, and customers against damage, lawsuits and accidents. And, if you need additional, industry-specific coverage, your agent can further customize your policy.

Broad

An excellent first step, a BOP provides general business insurance with combined property and liability coverage.

Convenient

One policy, many protections. A Business Owners Policy from Selective bundles your coverage into a single, convenient package.

Affordable

Instead of purchasing separate policies, a BOP lets you pay one budget-friendly premiums for your basic business insurance needs.

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Our Services

Learn more about how our unique digital resources that can help protect your business.

Business Owners Policy Benefits

A BOP from Selective rolls three critical business insurance coverages — business interruption, liability, and property — together, so you have one policy and one payment that works for your business.

Business Interruption

Coverage that helps keep you going.

Business interruption insurance typically helps protect against income loss if you must suspend operations due to direct physical loss of or damage to certain covered property. It can help you rebuild or relocate your business and resume your normal operations. Business interruption insurance may also cover operating expenses, a move to a temporary location, payroll, taxes, and loan payments. Speak to your agent for specific details about your coverage.

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Coverage for extra peace of mind.

Liability insurance protects against claims resulting from injuries and damage to other people or property, false arrest, or certain publications. Personal liability, workers compensation, and commercial liability are types of liability insurance you should consider. Some industries require liability insurance by law, so talk with you agent about what provisions are covered.

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Coverage for what makes your business run.

Commercial property insurance typically covers loss or damage to property such as buildings and structures from fires, smoke, theft, and more. It may also include coverage for loss or damage to your equipment, personal property, inventory, raw materials, machinery, and other items. Location and occupancy may affect your coverage, so speak to your agent about your specific business needs.

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Where We Operate

Coverage Near You

Selective Insurance offers customized commercial insurance coverage options in the following states: AZ, CO, CT, DE, GA, IL, IN, IA, KY, MD, MA, MI, MN, MO, NH, NJ, NM, NY, NC, OH, PA, RI, SC, TN, UT, VA, WI and the District of Columbia.

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Work With A Trusted Local Expert

Together, Selective and your agent can evaluate your business risks and create a custom insurance plan that meets your unique needs. Get started today.

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Insurance Solutions by Industry

General Contractors

Besides helping manage risk, contractor insurance is often required before starting work. Get customized coverage today.


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Landscapers

Whether you need a Business Owners Policy or a range of coverages, Selective can help protect your landscaping business.


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Carpenters

From general liability to commercial auto insurance, Selective can help you get the right coverage for your carpentry business.


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Professional Offices

Selective makes it easy to find coverage that helps manage the unique risks in fields like accounting, law, and other services.


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Commercial Property

Selective offers comprehensive and customizable lessors risk insurance for landlords with leased property.


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Funeral Homes

Protect your funeral home business from liability arising out of mourner slips, vehicle accidents, and more with insurance solutions from Selective.


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Florists

From spoilage and property damage to bodily harm, insurance for florists can help protect your growing business.


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Technology Businesses

The tech industry changes every day. Get the insurance coverage you need to keep up with shifting trends and new risks.


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Auto Services

Safeguard your business with a customer Selective Insurance policy that covers your employees, tools, vehicles, and more.


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Selective
Business Insurance

3558 reviews

 

"Very easy from start to finish. Very professional. Highly recommend Selective Insurance."

Ohio Customer, January 2021

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Your Passion, Our Purpose

You poured your heart into building your unique business.

Selective and the independent agents we work with can help you protect it. 

From a Business Owners Policy (BOP) to industry-specific coverage, get an insurance solution that helps protect your assets, employees and livelihood. 

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