Business iNsurance

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Comprehensive business coverage in one policy

Running a business comes with risks—but a Business Owner’s Policy (BOP) makes coverage simple. At Narvaez Insurance Services, we offer customized BOP insurance in Solano, Napa, and Sonoma, bundling property, liability, and business interruption coverage to keep your company protected.

Protect your business with one simple policy

A Business Owner’s Policy (BOP) combines essential coverages into one affordable plan, saving you time and money. Whether you own a small shop, office, or growing business, a BOP policy provides general liability, commercial property, and lost income protection—so you can focus on what matters most.

What is included?

One policy, complete protection:

  • General liability coverage – Protects against lawsuits from customer injuries and property damage.
  • Commercial property insurance – Covers your business building, equipment, and inventory.
  • Business interruption coverage – Reimburses lost income if your business is forced to temporarily close.
  • Cyber liability add-ons – Optional protection against cyberattacks, fraud, and data breaches.
The smart way to protect your business

Understanding Business Owner’s Policies (BOPs)

  • Who needs a Business Owner’s Policy?

    A BOP policy is ideal for small and mid-sized businesses with a physical location, assets, or customer interactions. Whether you own a restaurant, retail store, or office, a BOP combines essential coverage into one plan.

  • What’s the difference between a BOP and general liability insurance?

    General liability insurance only covers third-party injuries and property damage. A BOP policy includes liability, commercial property, and business interruption insurance—offering more comprehensive protection.

  • Is a BOP required for my business?

    A Business Owner’s Policy isn’t legally required, but many landlords, vendors, and clients expect proof of insurance. Having a BOP policy ensures your business is protected from common risks.

  • How much does a Business Owner’s Policy cost?

    BOP insurance is affordable because it bundles coverage at a lower rate than purchasing separate policies. Costs depend on business type, location, and risk factors, but we’ll help you find the best business insurance in Sonoma, Napa, and Solano.

  • How do I get a BOP insurance quote?

    It’s easy! Call us today for a customized BOP insurance quote in Solano, Napa, or Sonoma, and let us help you protect your business the smart way.

Protect your business from costly claims

Lawsuits can happen when you least expect them. General liability insurance (CGL) safeguards your business against injury claims, property damage, and legal fees. At Narvaez Insurance Services, we offer customized general liability insurance in Sonoma, Napa, and Solano to keep your business protected and compliant.

Coverage that keeps your business secure

Every business—large or small—faces risks. A single lawsuit could cost thousands, even millions, in damages. General liability insurance (CGL) protects your business from customer injuries, property damage claims, and advertising lawsuits. Whether you’re a contractor, retailer, or service provider, we help you find the best general liability insurance in Sonoma, Napa, and Solano.

What is included?

Comprehensive protection for your business:

  • Bodily injury liability – Covers medical costs and legal fees if a customer is injured on your business property.
  • Property damage coverage – Pays for repairs if your business accidentally damages someone else’s property.
  • Legal defense costs – Covers attorney fees, court costs, and settlements for covered claims.
  • Advertising liability – Protects against claims of defamation, copyright infringement, or misleading advertising.
Your liability coverage questions answered

Understanding general liability insurance (CGL)

  • Does my business need general liability insurance?

    If you interact with customers, own a storefront, or provide professional services, general liability insurance is essential. It protects against lawsuits, medical claims, and property damage. Many clients, landlords, and vendors require proof of general liability insurance in Sonoma, Napa, and Solano before signing contracts.

  • What’s the difference between general liability and professional liability insurance?

    General liability insurance covers physical injuries and property damage, while professional liability insurance (errors & omissions) protects against claims of negligence, mistakes, or professional errors. Businesses that provide consulting, legal, or financial services may need both types of coverage.

  • How does general liability insurance protect contractors?

    Contractors, electricians, and construction businesses face high liability risks. General liability insurance covers job site injuries, accidental property damage, and customer lawsuits. Many cities and clients require general liability for contractors in Napa, Solano, and Sonoma before issuing permits or awarding contracts.

  • What does general liability insurance NOT cover?

    General liability does not cover employee injuries (workers’ comp), vehicle accidents (commercial auto), or damage to your own business property. If you need additional protection, we offer customized business insurance packages to cover all potential risks.

  • How much does general liability insurance cost?

    The cost of general liability insurance in Sonoma, Napa, and Solano depends on your industry, risk level, and coverage limits. Contractors and high-risk businesses often pay higher premiums, but we help find affordable policies that fit your needs and budget.

Get protected today!

Lawsuits can financially devastate a business. With general liability insurance, you gain protection against injury claims, property damage, and legal costs. Call us today to get a quote for general liability insurance in Sonoma, Napa, and Solano and protect your business from unexpected risks.

Ready to start insurance on your own "click here"

Not sure? Start the quote and our agents will review for accuracy, "Click here" to quote.