business Insurance


Protect Your Business From The Unexpected Through Valpo First Insurance

What’s Covered In A Typical Business Owner’s Policy?

Valpo First Insurance offers policies that combine protection from all major property and liability risks in one package, and we also sell coverage separately. One package typically purchased by small and mid-sized businesses is a business owner’s policy (BOP). Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face. BOPs do NOT cover professional liability, auto insurance, worker’s compensation or health and disability insurance. You’ll need separate insurance policies to cover professional services, vehicles and your employees.


BOPs do include:

  • Property insurance for buildings and contents owned by the company – there are two different forms, standard and special. Special property insurance provides more comprehensive coverage.
  • Business interruption insurance, which covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include additional expenses that come with operating from a temporary location.
  • Liability protection covers your company’s legal responsibility for the harm it may cause to others. Those protected instances of harm would be the result of things that you and your employees do or fail to do in your business operations that may cause bodily injury or property damage due to defective products, faulty installations, or errors in services provided.
Learn More About Worker’s Compensation & Professional Liability Coverage

Worker’s compensation insurance is an important type of coverage for all employers to consider. It provides protection against the costs associated with work-related injuries or illnesses that occur while employees are on the job. With this type of insurance, you are relieved of financial responsibility if  one of your employees needs medical attention due to a workplace injury or illness. Worker’s compensation insurance also includes lost wages and disability payments, as well as legal fees in the case of a lawsuit brought by an injured or sick employee. Additionally, workers compensation insurance may provide additional benefits such as death benefits if an employee dies due to a work-related incident. Learn how to implement a worker’s compensation policy with the help of a Valpo First agent. Give us a call today!


Professionals that operate their own businesses need professional liability insurance in addition to an in-home business or business owner’s policy. This protects them against financial losses from lawsuits filed against them by their clients. Professionals are expected to have extensive technical knowledge or training in their particular area of expertise. They are also expected to perform the services for which they were hired, according to the standards of conduct in their profession. If they fail to use the degree of skill expected of them, they can be held responsible in a court of law for any harm they cause to another person or business. When liability is limited to acts of negligence, professional liability insurance may be called “errors and omissions” liability. Professional liability insurance is a specialty coverage package. Professional liability coverage is not provided under homeowners endorsements, in-home business policies or business owner’s policies.

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Don’t Hesitate To Contact Valpo First For All Your Business Insurance Inquiries

Contact Valpo First Insurance today and get the best options for business insurance. Our helpful and attentive agents will help you assess your business’s needs, discuss all of the available coverage options, and select a policy perfect for you! Don’t wait any longer! Get in touch with Valpo First Insurance today by calling us at (219) 462-4334 and find out how we can help you secure the right coverage at an affordable price.

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