It can be.
Many small businesses are now insured under package policies that cover the major property and liability exposures as well as loss of income.
A common package policy used by many small businesses is called the Businessowners Policy (BOP).

Generally, these package policies provide the small business owner more complete coverage at a lower price than separate policies for each type of insurance needed.
Your Trusted Choice® agent can help you decide which policy or policies are right for your business.
Additional coverage for property, liability or perils or conditions otherwise excluded (e.g., flood protection) can be purchased as endorsements to a standard policy or as a separate, second policy called a difference-in-conditions (DIC) policy.

Because businesses vary, it is impossible to have a standard policy to cover all contingencies.
Also, some businesses, regardless of their size, do not fit the profile of a standard businessowners policy.
For example, restaurants, wholesalers and garages have special liability needs that are not met in the standard businessowners policy.
Your Trusted Choice® agent can advise you of the best policy (or policies) to protect you and your business.

Last updated on July 21, 2010 by [Your Name Here]