A Business Owners Policy (BOP) is a bundled insurance package that combines several essential coverages into one convenient policy. It's specifically tailored for businesses like yours, offering comprehensive protection without the complexity of managing multiple policies.

Key Coverages Typically Included in a BOP:

• Property Insurance: Protects your business's physical assets, including buildings, equipment, furniture, and inventory, from damage caused by covered events like fire, theft, or vandalism.

• General Liability Insurance: Covers your business against claims of bodily injury or property damage caused to third parties during your business operations. This includes customer injuries on your premises or damage caused by your products or services.

• Business Interruption Insurance: Helps replace lost income and cover operating expenses if your business is forced to temporarily close due to a covered event.

What is General Liability?
A General Liability policy is designed to protect your business from various risks and potential financial losses. It provides comprehensive coverage and tailored protection to give you peace of mind.

What does General Liability cover?
A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products-completed operations, and advertising and personal injury (PI) liability. The GL policy can also pay to investigate and defend claims on the insured’s behalf.

Nonprofit and social service organizations embody the spirit of community, turning shared values into tangible impact. At Protego, we understand the dedication it takes to pursue your mission. That's why we've designed a comprehensive and customizable insurance solution tailored to the unique needs of social, educational, religious, literary, and charitable causes. We provide the robust protection you need, allowing you to focus on what matters most: transforming lives and strengthening communities.

Key Features

• Property coverage available with blanket limit and agreed value options for; buildings, BPP, equipment breakdown, and business income

• General Liability Limits up to $1M/$3M

•  Option to include Professional Liability of up to $1M/$3M

•  Separate limit for Abuse and Molestation of up to $1M

•  Crime Coverage included with Social Engineering Fraud sub-limit

•  $1M Hired/Non-Owned Auto Coverage

Community Associations play a vital role in maintaining the quality of life within neighborhoods. Protego understands the unique risks these associations face. Our Community Association Insurance provides tailored coverage to hedge against potential claims, safeguarding your community's assets and stability. We offer comprehensive protection, including property, general liability, crime, and auto coverage, designed to meet your specific needs.

Key Features

• Primary General Liability limits to include $1M/$2M or $2M/$4M

• Insured status for property managers

• Board members and officers to be included as additional insureds, as well as coverage for off-site board meetings

• Hired and non-owned auto and garage-keepers legal liability options available

• Premier property extension including swimming pools, seasonal structures and fences

In today's litigious environment, professional service providers face increasing exposure to liability claims. Our Miscellaneous Professional Liability coverage shields your business from financial losses arising from alleged errors, omissions, or negligence. Protego can tailor a comprehensive package, combining professional liability with general liability, abuse, and property coverage, to provide a robust defense for your business.

Key Features

• Blanket Additional Insured when required by contract

• Ability to include no deductible

• Defense cost outside the limit 

• Full priors acts available for eligible professions

• Minimum premiums as low as $500

• Ability to add GL, abuse, property, and more

Events come in all shapes and sizes, and so do their risks. Protego's Special Event Insurance offers customizable, short-term coverage to protect your investment. Whether it's a concert, festival, or business gathering, our policies are designed to provide robust protection, allowing you to focus on delivering a seamless and enjoyable event.

Key Features

• GL Limit Options of up to $1M/$3M

• Automatic Additional Insured status for premises

• Broad Eligibility including festivals, conferences, parades, concerts, and more

• Host Liquor included

• Automatic Waiver of Subrogation

The sports and recreation industry thrives on providing memorable experiences, but it's crucial to mitigate potential risks. Protego's specialized insurance solutions offer robust coverage against bodily injury claims, providing peace of mind and allowing you to operate with confidence. Our policies are designed to protect your business from the financial impact of unforeseen liabilities.

Key Features

• Ability to tailor policies based on the needs of your clients

• Comprehensive General Liability with Abuse Molestation Coverage

• Sports GL enhancement endorsement

• Participant legal liability included

• Additional insured coverage for all your venues

• Inland Marine (Equipment) coverage for all your client’s sports gear

• $1M Hired/Non-Owned Auto Coverage

• Excess Accident Insurance with limit options up to $250,000 per accident

• U.S. based TPA claims administrator with unique knowledge in the
  sports accident realm