Business Owner Program (BOP)

This bundled program combines property, general liability, and business income into one convenient policy for small to medium-sized businesses.

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Allegany Insurance Group offers a comprehensive Business Owner Program for businesses located in New York & Pennsylvania. We offer Standard & Deluxe BOP options.

Standard BOP

  • Additional expense, loss of income, accounts receivable, building inflation protection, employee dishonesty, water back-up, exterior signs, fire legal liability, money & securities, valuable paper & records coverage, and additional property extenders.

Deluxe BOP

  • Additional expense, loss of income, accounts receivable, building inflation protection, employee dishonesty, water back-up, exterior signs, fire legal liability, money & securities, personal injury, seasonal variation, sprinkler leakage, valuable paper & records coverage, and additional property extenders.

Trust Allegany Insurance Group to provide comprehensive coverage and peace of mind for your valuable investments.

Coverages

We offer Basic, Broad, Special, and Comprehensive coverage forms to protect your business. We also offer replacement cost and actual cash value products to meet your needs.

  • Habitational (5 units & above)
  • Hotel / Motel, Bed & Breakfast
  • Restaurants, taverns, pizzerias, delicatessen, bakery, & more.
  • Storage Buildings
  • Offices
  • Retail
  • Lessors Risk & Mixed Occupancy
  • Beauty Shop
  • Supermarket, Grocery and Convenient Stores
  • Laundromats
  • Automatic Car Washes

Discounts

By placing your business owner's coverage with Allegany Insurance Group, you may qualify for one or more of the following discounts:

  • Superior risk credit
  • Fire resistive / sprinklered building credit
  • Alarm discounts
  • Loss free credits
  • Renewal retention credit
  • Deductible credit
  • Individual risk premium modification credit