Novelty, Souvenir & Gift Shop Insurance

Business Owners Policy (BOP) is just what your business needs to safeguard unexpected financial losses as it combines the protection of Commercial Property and General Liability insurance in one package. Made for small to mid-sized business, it saves you the cost of having to buy each insurance policies.

Workers' Compensation can cover the medical bills relating to the diagnosis of a work-related illness or injury for your employees and the treatment needed. It can also cover lost wages until the employee is able to work again. In some cases, the insurance can cover the cost of retraining and rehabilitation until the employee is able to work again.

As a business owner, you want to make sure that your business is protected against business-related crimes like employee dishonesty, theft or fraud, that cause damage to property. Crime insurance will cover for these damages. The insurance can also cover for computer fraud, forgery or alteration, money theft or securities theft, and many business-crime related risks.

Business Interruption insurance will replace the business income lost as a result of an event that puts your business operation to a halt, such as natural disaster or fire. It covers what a Commercial Property cannot, including, the operating expenses, employee salaries, training costs, the expense of moving to a temporary location and extra expenses needed to get you on your feet again.