Business Owners Policy (BOP)

A Business Owner’s Policy (BOP) is designed for your small or medium size business that you have worked hard to make a reality. What will happen if a fire damages or destroys your office and your business must close for an undetermined amount of time? Is your building and its contents adequately covered?

It is usually more cost-efficient to purchase pre-packaged business owner’s coverages rather than individual coverages. Typically, property damage, business income coverage and comprehensive general liability make up a business owners’s policy. In addition, there are specialized coverages available to fit your specific needs. We make it our goal to understand the unique exposures that need to be considered when designing an insurance package for your business.

Property insurance covers your physical assets: building, equipment, furnishings, fixtures, inventory, computers, valuable papers, records etc. It can include personal property of others in your care, custody or control

Business income coverage covers lost earnings if a business is forced to shut down due to fire, windstorm, explosion or other insured loss. It may include coverage of expenses incurred to keep operating, such as renting temporary office space.

Comprehensive general liability protects your business assets if your company is sued for something it did or did not do that resulted in bodily injury or property damage to someone else.

We understand that your small business owners insurance needs will change over time. The hometown professional agents of Gregory’s Insurance will work with you to be sure your business has the best protection possible.

Commercial Auto

Commercial auto insurance is one of the most important aspects of your business insurance program. If your business uses a vehicle, or many vehicles, you need commercial auto insurance. Your personal auto policy will exclude coverage for commercial use of your vehicle.  Let us address your commercial auto needs rather it be a car, pickup, a dump truck, flat bed trailer, a van or another type of vehicle.  Coverage can be as unique as the driver behind the wheel just as your business needs are unique.

Commercial Inland Marine Insurance

Inland marine policies have become known as "floaters" since the property to which coverage is extended essentially is "floating or movable." The coverage has grown to include property that involves an element of transportation. The property that is insured under inland marine coverage is typically one of the following:

  • Builders' Risk
  • Camera and Photographic Equipment
  • Communication Towers and Equipment
  • Computer Coverage
  • Contractors Equipment
  • Commercial Floaters
  • Guns
  • Installation
  • Jewelers
  • Leased Property
  • Mobile Medical Equipment
  • Motor Truck Cargo
  • Transportation

Directors And Officers Insurance

Directors and Officers Liability Insurance (often called D&O) is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, to cover damages or defense costs in the event they suffer such losses as a result of a lawsuit for alleged wrongful acts while acting in their capacity as directors and officers for the organization. Such coverage can extend to defense costs arising out of criminal and regulatory investigations/trials as well; in fact, often civil and criminal actions are brought against directors/officers simultaneously. It has become closely associated with broader management liability insurance, which covers liabilities of the corporation as well as the personal liabilities for the directors and officers of the corporation.

Commercial Property Insurance

Commercial property insurance helps businesses, including farms and ranches, pay to repair or replace buildings, structures, and contents that are damaged or destroyed because of fires, storms, or other events outlined in the policy. It also pays to replace stolen or lost property. Business owners can buy commercial property insurance whether they own, rent, or lease a building. If you rent or lease a building, the building owner’s policy probably won’t cover the contents of the building that belong to you. You will need to buy your own policy to insure your on-premises property, including machinery, furniture, and merchandise. The cost of tenant coverage is usually significantly less than building coverage because the policy will only cover contents, not the building itself.

Our Commercial Insurance Team

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Marty Peterson

Agent
Commercial Insurance
 

  • (308) 762-5200
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Brenda Hankins

Agent
Commercial Insurance
 

  • (308) 762-5200
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Jon Daniels

Agent
Commercial Insurance
 

  • (308) 432-8049
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Mary Cordell

Agent
Commercial insurance

  • (308) 762-5200
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Susan Winten

Agent
Commercial Insurance

  • (308) 762-5200
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Misty Reid

Agent
Commercial insurance

  • (308) 432-8047
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GREGORY'S INSURANCE
ALLIANCE OFFICE
(308) 762-5200
(800) 658-3288
(308) 763-2165 (fax)
124 West 3rd Street,PO Box 910
Alliance NE 69301
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GREGORY'S INSURANCE
CHADRON OFFICE
(308) 432-8050
(308) 432-8022
(308) 432-0497 (fax)
1413 West 6th Street
Chadron, NE 69337
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