It’s common practice to protect what’s within the walls of your company. But have you ever thought about extending coverage outdoors? For instance, if someone trips in your parking lot or when your outdoor signage gets stolen. Do you have an idea whether your business owners policy (BOP) covers those risks?

2. The BOP Coverage
BOP coverage protects your company’s buildings and
everything inside it. In some instances, you may be covered for
stolen or damaged business property within 100 feet of your
building. If your customer or client were to get injured in your
parking lot, medical bills and other financial losses related to
the injury may be covered by your BOP as well. Make sure that
you check your policy and talk to your agent about the need to
purchase extra coverage.

3. Extra Coverage: Extensive Landscaping
Does your business have extensive landscaping
that would be expensive to replace or restore
if it is damaged or vandalized? You definitely
need extra coverage! Consider getting outdoor
property insurance coverage.

4. Extra Coverage: Outdoor Furniture and
Fixtures
Also consider outdoor property coverage if you
have tables, chairs, lights, and other fixtures
outside your physical property.

5. Extra Coverage: Carrying Offsite Equipment
If your business involves rental of equipment
and supplies, you should consider getting off-
premises and property-in-transit insurance
coverage.

6. Extra Coverage: Outdoor Signage
For outdoor signage that isn’t attached to your
building, you should consider getting covered
for mechanical breakdown or outdoor signage.

7. Extra Coverage: Outdoor Antenna,
Satellite Dishes, or Fences
Consider getting coverage for outdoor
property or mechanical breakdown if you have
expensive equipment outside your building or
office.

8. Valencia Insurance Group offers business
insurance that will give you a peace of mind
while running your business. We have
affordable coverages that will fit your budget.