What You Need to Know About Business Owners Policy Coverage

Small business owner

A Business Owner’s Policy (BOP) is an insurance policy designed for small business owners. It combines various types of liability and property insurance into one package. BOP coverage is typically offered to businesses with fewer than 100 employees and less than $5 million in annual sales.

The BOP is designed to provide business owners with the coverage they need to protect their property and assets, as well as the company’s employees and customers. It can include coverage for property damage, business interruption, liability, and crime. It also includes coverage for any legal fees associated with defending your business in the event of a lawsuit.

What Does Business Owners Policy Coverage Include?

A BOP is designed to cover the specific risks that a business faces, such as property damage, liability, and business interruption.

Property coverage: Property coverage within a BOP provides protection against damage to your business property, including buildings, equipment, furniture, and inventory. It also covers any lost income due to business interruption caused by a covered event.

Liability coverage: Liability coverage provides protection against claims or lawsuits that may arise due to injury or property damage caused by your business. This includes coverage for legal fees, settlements, and judgments.

Business interruption coverage: Business interruption coverage provides protection against financial losses due to a covered event, such as a fire or hurricane, that prevents your business from operating. This coverage can help you pay for expenses such as payroll, rent, and other operating costs while your business is closed.

Additional coverage: Some BOPs also offer additional coverage, such as cyber liability and employee dishonesty coverage. Cyber liability coverage provides protection against costs associated with a data breach, while employee dishonesty coverage protects against losses due to employee theft or fraud.

A BOP is an ideal option for small and mid-sized businesses that need comprehensive coverage at an affordable price. It provides protection against common risks that businesses face, such as property damage, liability, and business interruption. Additionally, some BOPs offer additional coverage, such as cyber liability and employee dishonesty coverage. If you’re looking for a comprehensive insurance policy for your business, a BOP may be the right choice for you.

Is Business Owners Policy Coverage Right for Your Business?

When determining whether a BOP is right for your business, it is important to consider the type of risks you face. If you operate a business that is vulnerable to lawsuits or other claims, then a BOP can provide important protection. On the other hand, if you operate a business that is not likely to face many risks, then a BOP may not be necessary.

It is also important to consider the cost of a BOP. While the premiums may be lower than purchasing individual policies, the overall cost can still be significant. Therefore, it is important to make sure that the coverage you are receiving is worth the cost.

Overall, a Business Owners Policy can be a great way to protect your business from financial loss. However, it is important to carefully consider the risks you face and the cost of the coverage before making a decision. By understanding the benefits and drawbacks of a BOP, you can make an informed decision about whether it is right for your business.


In conclusion, Business Owners Policy Coverage is an important type of insurance for businesses to consider. It is a package policy that includes a range of coverages, including property, liability, and business interruption insurance. This type of coverage can provide businesses with the protection they need to remain operational during unexpected events. It is important to remember that the coverage will vary depending on the policy, so it is important to discuss the specifics with a business insurance provider before purchasing a policy.

Bassine Insurance is a business insurance agency in Fort Myers that can provide you with the coverage you need. Get in touch with us today to learn about our insurance solutions!

What to Know before Selecting Health Insurance Coverage

Health insurance

The process of selecting health insurance might be difficult and oftentimes overwhelming. While there are many enticing offers on insurance premiums, you must be equipped with the knowledge and information you need to select health insurance coverage for yourself and your family.

Read on to discover what to know before selecting health insurance coverage.

Know the Plan You Want for the Future

First, when selecting health insurance coverage, know that it’s critical to include your preferred hospitals, doctors, and pharmacies in the network of your provider.

It’s possible that your insurer will refuse to pay out-of-network services and prescriptions, or that doing so would result in higher out-of-pocket expenses for you. Charges incurred outside of your plan’s network may not count toward your deductible. You should also check to determine if the drugstore and doctor of your choice are in your health insurance network.

Know the Costs of Your Insurance

You are responsible for paying premiums whether or not you use the insurance company’s medical and pharmaceutical services. If you do not pay your monthly premiums on time, you risk losing your insurance coverage. Out-of-pocket expenses in the form of deductibles, copayments, and coinsurance accompany the great majority of medical procedures and treatments.

Know the Deductibles

Before proceeding, know the deductible amount that must be satisfied before the insurance company will begin making payments.

For example, if your deductible is $1,000, the majority of your medical expenditures will not be reimbursed until you have met that $1,000 level. It is likely that your insurance will not cover things like medicine, expert visits, or the cost of procedures. Most preventative care, like cancer screenings and immunizations, is paid for out of pocket before the deductible is met. 

Plans with greater deductibles typically have cheaper monthly premiums than policies with smaller deductibles. For the great majority of medical and pharmaceutical treatments, a deductible must normally be satisfied before obtaining reimbursement from an insurer. 

Determine whether your plan has a single, combined deductible for medical and pharmacy services or a separate deductible for prescriptions from your insurance provider to determine how much you will have to pay out of cash before your medications are reimbursed. Your out-of-pocket payments will be lower if your plan includes a single, combined deductible for medical and pharmaceutical services.

Know about Copay and Coinsurance

You must be aware of the additional expenditures involved with healthcare services. After you’ve met your deductible, you may be responsible for some further out-of-pocket expenses. This can be in the form of copayments and coinsurance.

Copayments are predetermined expenses for covered medical treatments or services (often listed on the back of your insurance card), whereas coinsurance is a shared financial responsibility for the cost of medical treatment or service.

Know about Prescription Medication Insurance

You may want your insurance to cover prescription medicines. Each insurance provider’s formulary includes a list of medications that are covered. If a drug is not on the formulary, patients may be unable to obtain coverage for it, or they may be expected to go through a lengthy process to do so. 

Furthermore, the list of covered prescriptions is arranged into tiers, which has ramifications for both copayments and coinsurance. As such, check the plan’s formulary to discover if your current drugs are covered and how much you will have to pay out of pocket.


Getting a health insurance premium entails sticking to certain agreements. This is why it is critical that you know what you are looking for and what you need in health insurance coverage. Now that you are aware of all this information, you can finally select health insurance coverage that is right for you and your family.

Are you looking for an insurance agency in Fort Myers? Bassine Insurance Agency is here to assist you with a wide range of insurance products. Contact us today to learn more!

What are the Benefits of a Business Owner’s Policy?


Owning and running a business can be a demanding yet rewarding experience. It is important to ensure that you have the right protection for your business to ensure its success and longevity. 

A Business Owner’s Policy (BOP) is an insurance policy that is designed to protect small businesses from losses due to common risks. It is a cost-effective way to protect your business from various potential risks.

A BOP can protect your business’ physical property, liability, and other financial losses. BOPs often include coverage for business interruption, which can help cover lost income if your business is forced to close due to a covered event.

The benefits of a Business Owner’s Policy are numerous. Some of them are:

Broad and Comprehensive Coverage

A BOP is designed to provide a broad range of coverage for your business. It can provide coverage for property damage, liability, business interruption, and other financial losses. This can help protect your business from a variety of risks, including fire, theft, and lawsuits.

Cost-Effective Protection

A BOP is typically more cost-effective than purchasing individual policies. You can save money on premiums by bundling all your business insurance needs into one policy. Additionally, many insurers offer discounts for businesses that purchase BOPs.

Flexible Coverage

A BOP is flexible, allowing you to customize your coverage to fit the specific needs of your business. You can add or remove coverage as needed to ensure that you have the protection you need.

Customizable Coverage

BOPs are customizable, allowing you to tailor your policy to fit the unique needs of your business. You can add or remove coverage as needed, so you can be sure you have the protection you need.

Ease of Use

A BOP is easy to use and understand. The coverage is typically straightforward, so it’s easy to determine what’s covered and what isn’t. Additionally, many insurers offer online tools to help you customize your coverage and get quotes quickly and easily.

The Cost of BOP

The cost of a BOP will depend on the type of coverage you choose, the size of your business, and the amount of coverage you need. In general, BOPs tend to be more affordable than purchasing multiple policies, as you can bundle multiple coverages into one policy.

What Protection Does a Business Owner’s Policy Offer for Social Media Risks?

A BOP may not offer direct coverage for social media risks, but it does provide coverage for certain related risks. For example, a BOP may provide coverage for advertising injury, including libel, slander, and copyright infringement claims relating to social media. Additionally, a BOP may provide coverage for data breaches and cyber liability, which may cover costs associated with social media data breaches.

Does a Business Owner’s Policy Take Into Account Independent Contractors?

Yes, a BOP may provide coverage for independent contractors if they are listed as additional insured on the policy. It is important to note, however, that the coverage may be limited and that the independent contractor should have their own liability insurance policy as well.

The Bottomline

In conclusion, a Business Owner’s Policy (BOP) is a great choice for business owners who want to protect their business from potential risks and liabilities. Not only does it provide comprehensive coverage for property, liability, business interruption and crime, but it also comes at an affordable price. Additionally, BOPs are flexible and customizable, allowing business owners to tailor their policies to their specific business needs. With the right BOP in place, business owners can have the peace of mind that their business is protected from the many risks they face.

Are you looking for business insurance in Fort Myers? Bassine Insurance offers a wide range of insurance products. Get in touch with us.

6 Advantages of Buying a Mobile Home over Traditional Homes

Mobile home

The idea of owning a home is one that many people aspire to, and for a good reason. Owning a home can provide a sense of stability, comfort, and financial security. But for many people, the traditional route of buying a house isn’t always the best option. This is where mobile homes come in!

But what’s a mobile home? A mobile home is a prefabricated structure typically built on a chassis and transported to a more or less permanent location. It is also known as a manufactured home, trailer, or coach. Mobile homes offer an affordable alternative to traditional stick-built homes and are often used as vacation homes or as permanent residences.

That said, are you on the fence about buying a mobile home versus a traditional home? Here are a couple of advantages you can consider to choose a mobile home:

  1. Lower Cost

Mobile homes are typically much cheaper than traditional homes. This is because they are built in a factory, which decreases labor and materials costs. Additionally, mobile homes don’t require the same level of construction and inspection as traditional homes. This can significantly reduce the cost of ownership.

  1. Portability

One of the most significant advantages of a mobile home is its portability. If you decide to move, you can simply take your home with you. And, by home, we mean your entire home. This is something that’s incredibly challenging, if not impossible, to do with traditional homes. In addition to portability, since you can bring the whole home with you, you can greatly reduce moving costs, which is a big bonus.

  1. Flexibility

Mobile homes can be customized to suit your needs. You can choose everything from the size and layout to the finishes and fixtures. This allows you to create a home that is perfect for your lifestyle.

  1. Lower Maintenance Costs

Mobile homes typically require less maintenance than traditional homes. This is because they are made from prefabricated materials that are easy to repair and replace, and they don’t require the same level of upkeep as traditional homes.

  1. Quicker Construction Time

Mobile homes can be constructed much more quickly than traditional homes. This is because they are built in a factory, which allows for faster construction. Additionally, the construction process is often much simpler than it is for traditional homes.

  1. Easier Financing

Financing a mobile home is often easier than financing a traditional home. This is because the cost is usually lower, and there are often more financing options available. Additionally, the approval process can often be quicker.


All in all, mobile homes offer a number of advantages over traditional homes. They can be constructed faster and with fewer materials, and financing them is often easier. Additionally, they can be moved if necessary and are often more affordable. For these reasons, mobile homes are becoming an increasingly popular choice for many people. But of course, don’t ignore the disadvantages either. By knowing the ins and outs of a mobile home, you can make a better decision as to whether a mobile home is for you!

Bassine Insurance is an insurance agency that offers a wide range of insurance products, including but not limited to life, auto, watercraft, and more. If you are looking for mobile home insurance in Fort Myers, reach out to us today!