Business Owners Policy (BOP) Insurance

Business Owners Policy (BOP) Insurance from Oswego County Mutual Insurance Company

Every business operates a little different and businesses can be service oriented, sales oriented or a combination of both. At Oswego County Mutual our business owners policy can be as flexible as your operations providing a wide range of coverage to protect your exposures.

Business Owners Policies are Designed For:

  • Apartment Buildings
  • Churches
  • Hotels/Motels
  • Mercantile Buildings
  • Offices
  • Service Buildings
  • Campgrounds
  • Marinas

Standard business owners policy includes 3 months loss of income. Deluxe business owners policy includes 6 months loss of income.

Endorsements and Added Property Coverage

With every business operating differently, specific needs for specialty coverage’s for insurance policies may exist. There are countless endorsements that can be added such as customer’s goods, exterior signs, money & securities, employee dishonesty, power failure related coverage, refrigerated food coverage, beauty shop liability, the list goes on and on. We have also developed a Business Extender Endorsement with 27 commonly asked for coverage’s such as added water damage, extra expense, money & securities, etc. with set coverage limits for an easy alternative of adding additional coverage to your policy.

Endorsements and Added Property Coverage from Oswego County Mutual Insurance CompanyCoverage can also be added by endorsement for tools, equipment, motorized equipment, computer systems, inventory, fine arts, warehouseman’s coverage, etc.

Our business owners policy can be customized to add coverage for the exposures that are relative to your business to ensure that you are properly covered.


Our comprehensive product and pricing structure enables us to tailor a policy to meet your individual needs at an affordable price with multiple coverage forms, deductible options, and policy credits.

Please contact a local Agent for more information regarding our business owners policy and request a customized quote for your individual needs, today!