Protect Your Business from Unexpected Claims
This type of coverage, also called a business owner’s policy (BOP), is a simplified approach to commercial insurance for small businesses. By combining general liability insurance and commercial property insurance, along with other coverages, you could benefit in several ways:
Our sole mission is to give small business owners like you top-tier, yet cost-effective, insurance options. We sell our property and liability insurance policies directly to you, online or over the phone. Your choice. Either way, you’ll be saving up to 20% compared to other companies. There’s no middleman or unnecessary fees, just an insurance policy and an insurance company here to make sure your small business is covered.
What Does Property & Liability Insurance Cover?
General Liability Insurance Typically Covers
Property Damage. When customer property is damaged by an employee, your coverage may help pay for repairs or replacement.
Bodily Injury. If someone other than an employee is injured on your property, this coverage can help with medical expenses plus legal expenses and damages.
Product Liability. If products developed or sold by your business harm people or property, this coverage could help pay legal expenses associated with product liability lawsuits and medical expenses if an injury occurs.
Libel, Slander, and Copyright. This coverage helps protect you against some lawsuit expenses from personal and advertising injury. Advertising injury can include disparaging another business in your advertisements, stealing an advertising idea, and more.
Property Insurance Typically Covers
Your Building or Leased Space. This coverage provides protection for the building you own or even a building where you are required to provide insurance coverage as part of the lease.
The Contents of Your Building. Property insurance can cover inventory, equipment, or tools and other people’s property in your building that has been damaged by an employee, yourself, theft, natural disaster, or weather.
Income From Your Business. In the event of a disruption or property damage, you may be covered for the expenses needed to resume business, including covering net income, payroll costs, and even temporary business relocation.
What If I’m a Contractor or If I Operate my Business from My Home?
You could still benefit from general liability insurance as a freelancer, contractor, or home business owner because you face many of the same risks as brick-and-mortar businesses. Property and liability insurance can be important to your small business because:
What Does General Liability Insurance Usually Cost for A Small Business?
In 2019, the national average monthly cost for a business owner's policy through PeoplesAlly was $80 per month. Remember, this is only an average and isn’t necessarily what you’ll pay. Your rate depends on the specific features of your business. With PeoplesAlly, you get to avoid a lot of broker fees and other unnecessary fees, which can save you up to 20%.
We specialize in offering popular insurance products for the new industry norm given the 2020 pandemic.
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We Are Insurance Experts
We have over 10,000 satisfied customers and 30+ years of insurance experience. We have seen it all and can get you the best package for your needs.
Providing People with Protection Everywhere
PeoplesAlly is trusted by thousands of businesses no matter what size. We can help you meet your insurance needs in any industry or line of business.
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There are many kinds of insurance out there, but as an accounting & finance business owner, you have very unique needs. At PeoplesAlly, we’ll help you understand what kind of insurance is best for you. Just fill out a simple form online or speak with one of our licensed insurance experts to get a free quote. Plus, with PeoplesAlly, you can purchase a policy, manage it, and submit claims online for ultimate convenience.
WHAT PEOPLE SAY
“The PeoplesAlly team is extremely knowledgeable and will work hard to find you the best quality and price available. Very professional, no bait and switch, and will give you the bottom line even if it means losing you as a customer. I appreciate honesty rather than sleazy sales people.
— Samantha D
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