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Business Owners Policy

  • Available in Michigan

At Fremont Insurance, we respect the amount of hard work that goes into building a stable business. That's why we want to help you keep it protected. Our business owners policy gives you broad protection beyond property and liability coverage to make sure your finances are secure no matter what. This policy was built with small business owners in mind. We keep insurance simple so you can devote less time to making sure you're protected and more time growing your business.

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Standard Coverages


This coverage reimburses you if the contents in your business are damaged, destroyed, lost, or stolen.


This coverage provides protection if you’re found legally liable to have caused bodily injury or property damage to someone else.

Inland Marine

This coverage protects your business from financial loss if products, materials, or equipment is damaged or destroyed while it's being transported on land (truck or train).


This coverage provides protection from financial losses related to business-related crime, including theft by employees, forgery, and robbery.

Business Income Extra Expense

This coverage helps replace lost income and pays for extra expenses if you temporarily can't run your business after a covered loss.

Additional Coverages

Cyber Liability

This coverage protects your business from financial losses related to cyber-related crime such as a data breach.

Hired & Non-Owned Auto

This coverage protects you from liability if you or an employee gets in an accident with a hired (rental car) or borrowed (employee-owned) vehicle.

Employment Practices Liability

This coverage protects you from liability claims made by employees alleging discrimination, wrongful termination, and harassment.

Specialty Programs

Your job is to grow your business; ours is to understand the risks you face. We've created specialized programs to keep businesses protected from risks unique to their industry. Contact an agent to learn more about our special programs for BOP customers.

Programs include:

  • Beautician Professional Liability
  • Funeral Home (Mortician) Professional Liability
  • Hearing and Optical Professional Liability
  • Self Storage/Mini Storage Facilities
  • Taxidermy
  • Veterinary Professional Liability
  • Pet Services Professional Liability
  • Bed & Breakfast
  • Smaller Condo w/ D&O
  • Hotel & Motel
  • Fine Dining
  • Micro-Brewery
  • Automotive Repair Professionals
  • Printers E & O

File a Claim

When the unexpected happens, Fremont Insurance is by your side to help you reclaim whatever you lost. We’re committed to ensuring a smooth claims experience by keeping you informed every step of the way.

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Ways to Save

We’re dedicated to helping our customers get the most coverage at the best rate. That’s why we look for opportunities to save you money.

Paid In Full

You must pay the discounted policy premium in full by the due date of your first bill to qualify.


You must be a member of a group or association that insures with Fremont Insurance to qualify.


You must bundle more than one insurance policy to qualify.

Length in Business

You must be in business for 3 years or longer to qualify.

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