Garage Door Installer BOP Risks

For a garage door installer, a comprehensive business owner’s insurance or BOP provides solid protection in both the liability and property areas of your insurance program. The BOP is designed for small to medium size businesses. It also may be a good choice because it streamlines your insurance coverages making them easier to administer.

The garage door installer business owner policy may also be less expensive than buying the property and liability separately. As the owner of a small or medium size company, it’s an insurance option worth considering.

Garage Door Installer Business Owners Insurance

garage door installer business owners insurance quote

To purchase a BOP insurance, you will need to provide information on any prior losses, employee data, details about your property and any contractual business agreements (franchise, building, lease, etc.) you have entered into. There is also a revenue limit your business must be below to buy a BOP.

Below are the major business owner's insurance liability and property protections as well as a list of endorsements to further customize your garage door installer business owner policy.

Business Liability

All of the liability insurance coverages that are on a standalone liability policy are on the BOP. This includes bodily injury, property damage, medical payments, fire legal liability and more. Also, everyone involved with your business is protected against any covered liability lawsuits.

Business Personal Property

Tools, garage door inventory and items like clothing and furniture are covered as business personal property if any of them are damaged as a result of a covered peril on your owned structures. Read the insurance policy for more specifics about what is and isn’t covered in this section of the BOP.

Building and Structures

Similar to a homeowner insurance policy, the property portion of the BOP takes care of any losses to the structures you own that are used for your business. Losses can come from any of the covered perils like fire, explosions, vandalism, etc. Permanent building improvement and additions are also covered here.

Business Income and Expense Coverage

If your income is temporarily cut off because of a covered loss, this coverage will pay what your income would have been for a period of time while you’re re-establishing your garage door installer business. It can be a lifesaver and mean the difference between staying afloat and closing your doors in the event of a catastrophe.

Valuable Papers, Documents and Receivables Coverage

If you rely on paper records and documents to run your business, there is a possibility that they could get damaged in the event of a fire or other covered peril. The insurance coverage will pay to restore those documents. If some of them represent accounts receivables that are not getting paid because of the loss, the policy will pay those amounts.

Employee Dishonesty Coverage

You never know what a disgruntled employee might do. The BOP will pay out if the actions of a dishonest employee results in a theft or a loss under another covered act.

Other Important Coverages

  • Newly Acquired or Constructed Buildings
  • Equipment Breakdown
  • Products and Completed Operations
  • Electronic Data
  • Tools
  • Tenant betterments and Improvements
  • Outdoor Signs
  • Inland Marine
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Business Information (Required)
Business Type
Business Name
Full Time Employees
Legal Entity Type
Part Time Employees
Years In Business
Hired Sub Contractors
Yearly Gross Sales
Employee Yearly Payroll
Property SqFt (Occupied)
Building Coverage
Liability Limits Needed
Prop. Deductible
Business Personal Property
Description Of Operations
Additional Coverage Selection (Not Required)
Workers Compensation
Professional Liability
Umbrella Liability
Commercial Auto
Contact Information (Required)
First Name
Last Name
Business Address
Zip Code
Business Phone
Alt Phone
Special Notes
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