Business Owners Policy Coverage

Running your own business is long hours and hard work, but it is very rewarding being your own boss. While you are busy trying to handle the day to day business decisions, it is important to have proper insurance to protect all your life’s work in the event of a catastrophic accident or injury.

For the midsize and small business, our Business owners policy will most likely meet your needs at an extremely reasonable premium and give you many other coverages at no additional expense. Finding custom business insurance that fits your company will require the help of an experienced insurance agent. For more than 15 years, Jim Lyman and The Lyman Agency, LLC., have helped business owners throughout Connecticut and the northeast find the ideal coverage for their businesses so that they are protected against catastrophic loss, accident, liability claims or loss of income.

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Get the coverage you need for your Home, Business, Farm, Life and more. Let us complete a full policy review and prepare a quote for you Today!

Aspects of Business Owners Policy


A business owners policy protects the property your business owns, including:

  • The building and attached equipment.
  • Business personal property.
    • Furniture and fixtures
    • Computers and media including valuable papers and records
  • Equipment and tools.
  • Equipment Breakdown
  • Accounts receivable records.
  • Lost income and extra expense.
  • Outdoor Property and signs
  • Debris removal
  • Property in transit or temporary off premises
  • Employee dishonesty
  • Forgery and alterations
  • Money and securities on and off premises

At The Lyman Agency, LLC., we understand that no two businesses are alike. With our flexible coverage options, you can tailor coverage that is specific to your business’s needs.

We are able to bundle commercial property coverages into cost-effective packages that provide you the best value for your insurance dollar.

General Liability

The General Liability portion of business owners policy provides coverage for:

  • Premises, operations, and products
  • Damage to premises rented by you
  • Medical Expense
  • Personal advertising injury
  • Hire non owned auto

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Loss of Income and Extra Expense:

When your business operations are interrupted by a covered loss, this coverage is designed to supplement your business, up to the limits you select, until you are back in business. We also cover other expenses needed to resume normal business operations.

Optional Coverages

It is important to make sure your coverage matches the needs of your particular business. Because each business has specific risks, you may want to include special optional coverages including:

  • Employee Practices Liability Coverage
  • Employee Benefits Coverage
  • Cyber coverage
  • Glass coverage
  • Higher limits on above policy limits

Be Sure With Lyman Insure

At Lyman Insure™, we understand that your business is unique. You want an insurance agency that is familiar with the business to ensure you have the complete coverage you need.

Lyman Insure™ has the experience that business owners need to protect all aspects of their business. At The Lyman Agency, LLC., we recognize that it is the relationships we establish with our clients, joined with our years of agribusiness experience that set us apart. Please contact us for a free quote or insurance evaluation. You can be sure with Lyman Insure.

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