How Does BOP Insurance Work And What Is It?

Discover the essentials of Business Owner’s Policy (BOP) insurance, including its coverage options, benefits, and how it can protect your small business from various risks. Learn how BOP insurance works and why it’s a smart choice for entrepreneurs.

By Licensed Agent:  Sa El PublishedOctober 30, 2024  UpdatedOctober 30, 2024

Business Owner’s Policy (BOP) insurance is a convenient package that combines various types of coverage into one policy, tailored specifically for small to medium-sized businesses. It’s designed to protect businesses from a variety of risks, offering a comprehensive solution that simplifies the insurance process. Whether you’re a startup or an established business, understanding BOP insurance can be crucial to safeguarding your assets and operations.

What Is BOP Insurance?

BOP insurance is essentially a bundle of essential coverages that most small businesses need. It typically includes general liability insurance, property insurance, and business interruption insurance. This combination helps protect businesses from potential financial losses due to property damage, legal claims, and income loss resulting from unforeseen events.

One of the main advantages of BOP insurance is its cost-effectiveness. By bundling these coverages, businesses often receive a discount compared to purchasing each policy separately. This makes it an attractive option for small business owners looking to maximize their coverage while keeping costs manageable.

What Is Business Property Insurance?

Business property insurance, a key component of BOP insurance, covers the physical assets of a business. This includes buildings, equipment, inventory, and furniture. In the event of damage or loss due to incidents like fire, theft, or vandalism, business property insurance helps cover the costs of repair or replacement.

Having business property insurance is crucial for any business that relies on physical assets to operate. Without it, the financial burden of replacing damaged or stolen property could be devastating, potentially leading to significant operational disruptions.

How Does BOP Insurance Work?

BOP insurance works by providing a comprehensive package of coverages that address the most common risks faced by small businesses. When a business purchases a BOP policy, they receive protection against property damage, liability claims, and business interruption, all under one policy.

The process of obtaining BOP insurance typically involves assessing the specific needs of the business. This includes evaluating the value of the business’s property, the potential risks it faces, and the level of liability coverage required. Once these factors are determined, an insurance provider can tailor a BOP policy to meet the business’s unique needs.

In the event of a claim, the business owner would file a claim with their insurance provider, who would then assess the situation and determine the appropriate compensation based on the policy terms. This streamlined process helps ensure that businesses can quickly recover from unexpected events and continue their operations with minimal disruption.

How Much Does BOP Insurance Cost?

The cost of BOP insurance can vary significantly depending on several factors, including the size and type of the business, the location, and the specific coverages included in the policy. On average, small businesses in the U.S. can expect to pay between $500 and $3,000 annually for a BOP policy.

What Is The Average Cost Of BOP Insurance In The Us?

In the United States, the average cost of BOP insurance for small businesses typically ranges from $1,200 to $2,500 per year. However, this can vary based on the industry, location, and specific risks associated with the business. Businesses in higher-risk industries, such as construction or manufacturing, may face higher premiums due to the increased likelihood of claims.

How Much Should I Be Spending On BOP Insurance?

Determining how much to spend on BOP insurance depends on the specific needs and risks of your business. It’s important to balance the cost of the policy with the level of coverage provided. Business owners should consider factors such as the value of their assets, potential liability risks, and the financial impact of business interruptions when deciding on coverage limits.

Is BOP Insurance Paid Monthly?

BOP insurance premiums can typically be paid on a monthly, quarterly, or annual basis, depending on the preferences of the business owner and the terms offered by the insurance provider. Paying annually may offer a discount, but monthly payments can help with cash flow management for businesses with tighter budgets.

How Much Of Utility Bills Does BOP Insurance Cover?

BOP insurance generally does not cover utility bills directly. However, business interruption coverage within a BOP policy can help cover lost income and ongoing expenses, such as utility bills, if a covered event forces the business to temporarily close. This ensures that businesses can maintain essential operations even during disruptions.

What Does BOP Insurance Cover?

BOP insurance covers a range of risks that small businesses commonly face. By bundling multiple coverages into one policy, it provides a comprehensive safety net for business owners.

Commercial Package Policy

A commercial package policy within a BOP offers flexibility by allowing businesses to customize their coverage. This can include additional protections such as crime insurance or inland marine insurance, depending on the specific needs of the business.

Property Insurance

Property insurance is a fundamental component of BOP insurance, covering physical assets like buildings, equipment, and inventory. It protects against losses from events such as fire, theft, and vandalism, ensuring that businesses can recover quickly from property damage.

Business Interruption

Business interruption insurance is crucial for maintaining cash flow during unexpected closures. It covers lost income and ongoing expenses, helping businesses stay afloat while they recover from events like natural disasters or significant property damage.

General Liability

General liability insurance protects businesses from claims related to bodily injury, property damage, and personal injury. This coverage is essential for businesses that interact with customers or clients, as it helps cover legal fees and settlements in the event of a lawsuit.

Equipment Breakdown

Equipment breakdown insurance covers the repair or replacement of essential machinery and equipment that fails due to mechanical or electrical issues. This coverage is vital for businesses that rely heavily on equipment to operate, as it helps minimize downtime and financial losses.

What Else Does BOP Insurance Cover?

Beyond the standard coverages, BOP insurance can also include additional protections for specific risks that businesses may face.

Flood Damage

While standard BOP policies typically do not cover flood damage, businesses can often add flood insurance as an endorsement. This is particularly important for businesses located in flood-prone areas, as it provides financial protection against water-related losses.

Earthquake Damage

Similar to flood damage, earthquake damage is usually excluded from standard BOP policies. However, businesses in earthquake-prone regions can purchase additional coverage to protect against losses from seismic events.

Professional Liability

Professional liability insurance, also known as errors and omissions insurance, covers claims related to professional mistakes or negligence. This coverage is essential for businesses that provide professional services, as it helps protect against costly legal claims.

Data Breach

With the increasing reliance on digital data, data breach insurance has become a critical component of BOP coverage. It helps cover the costs associated with data breaches, including notification expenses, legal fees, and credit monitoring for affected customers.

Auto Liability

Auto liability insurance covers claims related to accidents involving business-owned vehicles. This coverage is crucial for businesses that rely on vehicles for operations, as it helps cover legal fees and damages resulting from accidents.

What Does BOP Insurance Not Cover?

While BOP insurance provides comprehensive coverage, there are certain exclusions that business owners should be aware of. Understanding these exclusions can help businesses identify additional coverages they may need to purchase separately.

For instance, BOP insurance typically does not cover professional liability, workers’ compensation, or health and disability insurance. Businesses may need to purchase separate policies to cover these specific risks. Additionally, certain high-risk industries may require specialized coverages that are not included in a standard BOP policy.

How Long Will I Need BOP Insurance?

The duration for which a business needs BOP insurance depends on its specific circumstances and risk profile. Generally, businesses should maintain BOP coverage as long as they have assets to protect and face potential liability risks.

As a business grows and evolves, its insurance needs may change. Regularly reviewing and updating the BOP policy can help ensure that the coverage remains adequate and aligned with the business’s current operations and risk exposure.

What Does BOP Insurance Cover for Small Businesses?

BOP insurance is particularly beneficial for small businesses, as it provides a comprehensive package of coverages tailored to their unique needs. By bundling essential coverages, BOP insurance helps small businesses manage risks and protect their assets without the complexity of managing multiple policies.

For small businesses, BOP insurance typically covers property damage, liability claims, and business interruption. This combination of coverages helps ensure that small businesses can recover quickly from unexpected events and continue their operations with minimal disruption.

Where Can You Use BOP Insurance

BOP insurance is versatile and can be used by a wide range of businesses across various industries. It is particularly well-suited for small to medium-sized businesses that have physical assets, interact with customers, or face potential liability risks.

Common industries that benefit from BOP insurance include retail, restaurants, professional services, and manufacturing. However, any business that requires property, liability, and business interruption coverage can benefit from a BOP policy.

Is BOP Insurance Worth It? Do You Need It?

Deciding whether BOP insurance is worth it depends on the specific needs and risks of your business. For many small businesses, BOP insurance offers a cost-effective way to obtain comprehensive coverage, making it a worthwhile investment.

Pros And Cons Of BOP Insurance

The pros of BOP insurance include cost savings from bundling coverages, simplified policy management, and comprehensive protection against common risks. However, the cons may include limited customization options and the need for additional policies to cover specific risks not included in the BOP.

Is BOP Insurance Worth It If I Am Poor?

For businesses with limited financial resources, BOP insurance can still be a valuable investment. The cost savings from bundling coverages and the protection against significant financial losses can outweigh the premium costs, making it a smart choice for budget-conscious business owners.

Is It Okay To Not Have BOP Insurance?

While it’s possible to operate a business without BOP insurance, doing so can expose the business to significant financial risks. Without adequate coverage, a single unexpected event could lead to substantial financial losses, potentially jeopardizing the business’s survival.

What Age Is Best To Get BOP Insurance?

There is no specific age at which a business should obtain BOP insurance. Instead, businesses should consider purchasing coverage as soon as they have assets to protect and face potential liability risks. Early coverage can help safeguard the business’s future and provide peace of mind to the owner.

What Are The Advantages Of BOP Insurance?

BOP insurance offers several advantages for small businesses. By bundling essential coverages into one policy, it simplifies the insurance process and provides comprehensive protection against common risks.

One of the main advantages of BOP insurance is cost savings. By purchasing a bundled policy, businesses often receive a discount compared to buying each coverage separately. This makes BOP insurance an attractive option for small business owners looking to maximize their coverage while keeping costs manageable.

Additionally, BOP insurance provides peace of mind by ensuring that businesses are protected against a wide range of risks. This comprehensive coverage helps business owners focus on growing their business, knowing that they have a safety net in place.

What Are The Disadvantages Of BOP Insurance?

While BOP insurance offers many benefits, there are also some potential disadvantages to consider. One of the main drawbacks is the limited customization options available with a standard BOP policy. Businesses with unique or specialized risks may need to purchase additional coverages separately, which can increase overall insurance costs.

Another potential disadvantage is that BOP insurance may not cover all the risks a business faces. For example, professional liability, workers’ compensation, and health insurance are typically not included in a BOP policy. Businesses may need to purchase separate policies to cover these specific risks.

Who Should Purchase BOP Insurance?

BOP insurance is ideal for small to medium-sized businesses that have physical assets, interact with customers, or face potential liability risks. It is particularly well-suited for businesses in industries such as retail, restaurants, professional services, and manufacturing.

Business owners who want a cost-effective way to obtain comprehensive coverage should consider purchasing BOP insurance. By bundling essential coverages into one policy, BOP insurance simplifies the insurance process and provides peace of mind to business owners.

How Much Small Business Insurance Do I Need?

Determining the right amount of small business insurance depends on the specific needs and risks of your business. Business owners should consider factors such as the value of their assets, potential liability risks, and the financial impact of business interruptions when deciding on coverage limits.

$1M Business Owner’s Policy Provider for Business Interruption Insurance

A $1 million business owner’s policy can provide substantial coverage for business interruption, helping businesses maintain cash flow during unexpected closures. This level of coverage is often recommended for businesses with significant assets or higher risk profiles.

$500k Business Owner’s Policy Provider for Business Interruption Insurance

A $500,000 business owner’s policy may be sufficient for smaller businesses with fewer assets or lower risk profiles. This level of coverage can still provide essential protection against business interruptions, helping businesses recover quickly from unexpected events.

BOP Insurance Vs Business Owner’s Policy

BOP insurance and a business owner’s policy are often used interchangeably, as they both refer to the same type of bundled insurance package. However, it’s important to understand the specific coverages included in each policy to ensure that your business is adequately protected.

Can I Add Business Property Insurance As An Endorsement To My Business Owner’s Policy?

Yes, business property insurance can often be added as an endorsement to a business owner’s policy. This allows businesses to customize their coverage to include additional protections for specific risks, such as flood or earthquake damage.

Does a Business Property Insurance Policy Cover Equipment Breakdown?

Business property insurance typically covers physical assets like buildings and inventory, but it may not cover equipment breakdown. Businesses that rely heavily on machinery and equipment should consider adding equipment breakdown insurance to their policy to ensure comprehensive protection.

Business Property Insurance vs General Liability Insurance

Business property insurance and general liability insurance are both essential coverages for small businesses, but they serve different purposes. Understanding the differences between these coverages can help business owners make informed decisions about their insurance needs.

Business property insurance covers physical assets like buildings, equipment, and inventory, protecting against losses from events such as fire, theft, and vandalism. This coverage is crucial for businesses that rely on physical assets to operate.

General liability insurance, on the other hand, protects businesses from claims related to bodily injury, property damage, and personal injury. This coverage is essential for businesses that interact with customers or clients, as it helps cover legal fees and settlements in the event of a lawsuit.

BOP Insurance For Hiscox

Hiscox is a well-known provider of BOP insurance, offering comprehensive coverage options for small businesses. Their policies are designed to protect businesses from a wide range of risks, providing peace of mind to business owners.

Do You Need Extra Insurance If You’re on Hiscox?

While Hiscox offers comprehensive BOP coverage, businesses with unique or specialized risks may need additional insurance policies. It’s important to assess your business’s specific needs and consult with an insurance professional to ensure adequate coverage.

How Much Is Hiscox Insurance Per Month?

The cost of Hiscox insurance varies depending on the size and type of the business, the location, and the specific coverages included in the policy. On average, small businesses can expect to pay between $30 and $50 per month for a Hiscox BOP policy.

Does Hiscox Provide BOP Insurance?

Yes, Hiscox provides BOP insurance, offering a range of coverage options tailored to the needs of small businesses. Their policies include essential coverages such as property insurance, general liability, and business interruption, helping businesses manage risks and protect their assets.

BOP Insurance For The Hartford

The Hartford is another reputable provider of BOP insurance, offering comprehensive coverage options for small businesses. Their policies are designed to protect businesses from a variety of risks, providing peace of mind to business owners.

What Is The Hartford Liability Insurance For Small Businesses?

The Hartford offers liability insurance as part of their BOP policies, providing protection against claims related to bodily injury, property damage, and personal injury. This coverage is essential for businesses that interact with customers or clients, helping cover legal fees and settlements in the event of a lawsuit.

Do You Need Extra Insurance If You’re on The Hartford?

While The Hartford offers comprehensive BOP coverage, businesses with unique or specialized risks may need additional insurance policies. It’s important to assess your business’s specific needs and consult with an insurance professional to ensure adequate coverage.

How Much Is The Hartford Per Month?

The cost of The Hartford insurance varies depending on the size and type of the business, the location, and the specific coverages included in the policy. On average, small businesses can expect to pay between $40 and $60 per month for a Hartford BOP policy.

Does The Hartford Provide BOP Insurance?

Yes, The Hartford provides BOP insurance, offering a range of coverage options tailored to the needs of small businesses. Their policies include essential coverages such as property insurance, general liability, and business interruption, helping businesses manage risks and protect their assets.

What Does The Hartford Not Cover?

While The Hartford offers comprehensive BOP coverage, there are certain exclusions to be aware of. These may include professional liability, workers’ compensation, and health insurance, which typically require separate policies. It’s important to review the policy terms and consult with an insurance professional to ensure adequate coverage.

Best BOP Insurance Companies

When it comes to choosing the best BOP insurance company, several factors should be considered, including coverage options, customer service, and pricing. Here are some of the top BOP insurance providers for small businesses:

The Hartford – Best BOP Insurance & Small Business Insurance

The Hartford is renowned for its comprehensive BOP insurance offerings tailored to small businesses. They provide a range of coverage options, including property insurance, general liability, and business interruption insurance. Their customer service is highly rated, making it easy for business owners to get the support they need when filing claims or adjusting their policies. The Hartford also offers various discounts, which can help lower premiums for eligible businesses.

Travelers – Best Business Interruption Insurance

Travelers is another top contender in the BOP insurance market, particularly known for its robust business interruption coverage. Their policies are designed to help businesses recover lost income and cover ongoing expenses during unexpected closures. Travelers also provides customizable options, allowing business owners to tailor their coverage to meet specific needs. Their reputation for excellent customer service further enhances their appeal to small business owners.

Liberty Mutual – Best Business Property Insurance For Small Business Owners

Liberty Mutual stands out for its exceptional business property insurance within its BOP offerings. They provide extensive coverage for physical assets, ensuring that businesses can recover quickly from property damage due to various risks. Liberty Mutual also offers a variety of additional coverages and endorsements, allowing business owners to customize their policies to fit their unique needs. Their commitment to customer satisfaction makes them a reliable choice for small business insurance.

BOP Insurance Reviews Chart

Here’s a quick comparison of some of the best BOP insurance providers based on customer reviews and ratings:

Company Phone Number A.M. Best Rating Reddit Reviews BBB Reviews
The Hartford (860) 547-5000 A+ Positive A+
Travelers (800) 842-5075 A++ Mixed A+
Liberty Mutual (800) 290-7933 A Positive B+

This chart provides a snapshot of each company’s reputation and customer feedback, helping business owners make informed decisions when selecting a BOP insurance provider.

How Does BOP Insurance for Entrepreneurs Work?

BOP insurance for entrepreneurs functions similarly to traditional BOP policies, providing essential coverage tailored to the unique risks faced by startups and small business owners. Entrepreneurs can benefit from the bundled nature of BOP insurance, which simplifies the insurance process and ensures comprehensive protection against common risks.

What Is the Best BOP Insurance for Entrepreneurs?

The best BOP insurance for entrepreneurs typically includes coverage for property damage, general liability, and business interruption. Providers like The Hartford and Hiscox offer tailored policies that cater specifically to the needs of startups, ensuring that entrepreneurs have the protection they need to focus on growing their businesses without worrying about potential financial losses.

How Does BOP Insurance for Small Business Owners Work?

BOP insurance for small business owners operates on the same principles as traditional BOP policies, offering a comprehensive package of coverages designed to protect against various risks. Small business owners can customize their policies to include additional coverages based on their specific needs, ensuring that they have adequate protection for their assets and operations.

What Is the Best BOP Insurance for Small Business Owners?

The best BOP insurance for small business owners includes policies that provide essential coverages such as property insurance, general liability, and business interruption. Companies like Travelers and Liberty Mutual are known for their strong offerings in this area, providing small business owners with the peace of mind they need to operate confidently.

BOP Insurance vs Small Business Insurance

BOP insurance and small business insurance are terms that are often used interchangeably, but they can refer to different types of coverage. BOP insurance specifically refers to a bundled policy that combines essential coverages, while small business insurance can encompass a broader range of policies tailored to the unique needs of a business.

What Is the Difference Between BOP Insurance and Small Business Insurance?

The primary difference lies in the structure of the policies. BOP insurance is a packaged solution that typically includes property, liability, and business interruption coverage, making it a convenient option for small businesses. In contrast, small business insurance may include various standalone policies, such as workers’ compensation or professional liability, which may not be included in a BOP policy. Business owners should assess their specific needs to determine which option is best for them.

What Is Commercial Package Policy?

A commercial package policy (CPP) is a customizable insurance solution that allows businesses to combine multiple coverages into one policy. This flexibility enables business owners to tailor their insurance to meet their specific needs, ensuring comprehensive protection against various risks.

How Does a Commercial Package Policy Work?

A commercial package policy works by allowing businesses to select the coverages they need, such as property insurance, general liability, and business interruption. This customization helps businesses manage their risks effectively while potentially saving on premiums compared to purchasing separate policies. Business owners can work with their insurance providers to determine the best combination of coverages for their unique situations.

Who Has the Best Equipment Breakdown Insurance?

When it comes to equipment breakdown insurance, several providers stand out for their comprehensive coverage options. Companies like Travelers and Liberty Mutual offer robust equipment breakdown insurance as part of their BOP policies, ensuring that businesses can quickly recover from mechanical or electrical failures.

What Should I Look for in Equipment Breakdown Insurance?

When selecting equipment breakdown insurance, business owners should look for coverage that includes repair or replacement costs for essential machinery and equipment. Additionally, policies that offer coverage for lost income during downtime can provide added financial protection. It’s also important to consider the reputation of the insurance provider and their claims handling process to ensure a smooth experience in the event of a claim.

Does My General Liability Insurance Cover Employee Dishonesty?

General liability insurance typically does not cover employee dishonesty or theft. Businesses may need to purchase additional coverage, such as employee dishonesty insurance or crime insurance, to protect against losses resulting from dishonest acts by employees.

Common Exclusions in BOP Policies

Common exclusions in BOP policies can include professional liability, workers’ compensation, and certain types of property damage, such as flood or earthquake damage. It’s essential for business owners to review their policy terms carefully and consult with their insurance provider to understand any exclusions and determine if additional coverage is necessary.

Alternative Options To BOP Insurance

For businesses that may not find BOP insurance suitable, there are alternative options available. Standalone policies for specific coverages, such as general liability, property insurance, or professional liability, can be purchased separately. Additionally, businesses may consider specialized insurance products tailored to their industry or unique risks.

How Does The BOP Insurance Claims Process Work?

The BOP insurance claims process typically involves several steps to ensure that claims are handled efficiently and fairly. Business owners should be prepared to provide documentation and evidence of the loss or damage when filing a claim.

What Documents Does A Business Owner Need To File A Claim?

To file a claim, business owners will generally need to provide documentation such as a detailed description of the incident, photographs of the damage, receipts for repairs or replacements, and any relevant police reports if applicable. Having thorough documentation can help expedite the claims process and ensure that the claim is processed smoothly.

How Are BOP Insurance Claims Processed?

BOP insurance claims are processed by the insurance provider’s claims department. Once a claim is filed, an adjuster will typically be assigned to assess the situation and determine the appropriate compensation based on the policy terms. The claims process may vary by provider, so it’s essential for business owners to familiarize themselves with their insurer’s specific procedures.

How Does BOP Insurance Reimbursement Work?

BOP insurance reimbursement works by compensating business owners for covered losses or damages according to the terms of their policy. The reimbursement process can vary depending on the type of claim and the specific coverages included in the policy.

Can I Customize My BOP Coverage?

Yes, many insurance providers allow business owners to customize their BOP coverage by adding endorsements or additional coverages based on their specific needs. This flexibility enables businesses to tailor their policies to address unique risks and ensure comprehensive protection.

What Does 70% Reimbursement Mean For BOP Insurance?

In the context of BOP insurance, a 70% reimbursement means that the insurance provider will cover 70% of the eligible expenses or losses incurred by the business, while the business owner is responsible for the remaining 30%. Understanding the reimbursement terms is crucial for business owners to manage their financial expectations in the event of a claim.

How Do Deductibles Work For BOP Insurance?

Deductibles are the amount that a business owner must pay out of pocket before the insurance coverage kicks in. For example, if a business has a $1,000 deductible and files a claim for $5,000 in damages, the insurance provider would cover $4,000 after the deductible is applied. Business owners should carefully consider their deductible amounts when selecting a BOP policy, as higher deductibles can lower premiums but may increase out-of-pocket costs in the event of a claim.

What Is The Reimbursement Process For Utility Bills?

The reimbursement process for utility bills under a BOP policy typically falls under the business interruption coverage. If a covered event forces the business to close temporarily, the policy may reimburse the business for lost income and ongoing expenses, including utility bills. Business owners should keep detailed records of their utility expenses to facilitate the reimbursement process.

Why Do Startups Need BOP Insurance?

Startups need BOP insurance to protect their assets and manage risks as they establish their businesses. With the potential for unexpected events, having comprehensive coverage can help startups recover quickly from losses and continue their operations without significant financial setbacks.

What Are The Specific Risks Startups Face That BOP Insurance Can Cover?

Startups face various risks, including property damage, liability claims, and business interruptions. BOP insurance can provide essential coverage for these risks, ensuring that startups have the financial protection they need to navigate challenges and focus on growth. Additionally, having insurance can enhance credibility with clients and investors, demonstrating that the startup is prepared for potential risks.

Where Can I Buy BOP Insurance Online?

You can buy BOP insurance online through various insurance providers, including The Hartford, Travelers, and Liberty Mutual. Many of these companies offer user-friendly websites where you can obtain quotes, compare coverage options, and purchase policies directly. Additionally, platforms like SimplyInsurance.com can help you compare quotes from multiple providers, making it easier to find the best BOP insurance for your business needs.

Frequently Asked Questions

What is BOP insurance?

BOP insurance is a bundled insurance policy designed for small to medium-sized businesses, combining essential coverages such as property insurance, general liability, and business interruption insurance.

How much does BOP insurance cost?

The cost of BOP insurance varies based on factors such as the size and type of the business, but on average, small businesses can expect to pay between $500 and $3,000 annually.

What does BOP insurance cover?

BOP insurance typically covers property damage, liability claims, and business interruption, providing comprehensive protection against common risks faced by small businesses.

Can I customize my BOP insurance coverage?

Yes, many insurance providers allow business owners to customize their BOP coverage by adding endorsements or additional coverages based on their specific needs.

Is BOP insurance worth it for small businesses?

For many small businesses, BOP insurance is a cost-effective way to obtain comprehensive coverage, making it a worthwhile investment to protect against potential financial losses.


ABOUT THE AUTHOR

Sa El

Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 16 years of experience in the industry. He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.