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Standard business insurance doesn’t always account for the unique risks modern companies face. Optional endorsements allow you to customize your Business Owner’s Policy (BOP) by adding targeted coverage that fills protection gaps specific to your operations, industry, and growth stage.
From cyber liability and data breach protection to equipment breakdown, employment practices liability (EPLI), and hired/non-owned auto coverage, endorsements enhance your policy to address real-world exposures that basic coverage may exclude. These add-ons ensure your insurance evolves alongside your business.
By integrating endorsements directly into your BOP, you gain broader protection without managing multiple standalone policies keeping your coverage efficient, cost-effective, and easy to manage.
Optional endorsements are policy enhancements that modify or expand standard BOP coverage to address specific operational risks.
We evaluate your operations, contracts, and exposures to identify where standard BOP coverage may fall short.
From tech firms to retail and professional services, we recommend endorsements that align with real industry risks.
As your business expands, adds employees, or adopts new technology, we adjust endorsements to match your evolving risk profile.
All endorsements are seamlessly added to your existing BOP—one policy, one renewal, one trusted advisor.
An endorsement is an amendment to your policy that adds, removes, or modifies coverage to better fit your business needs.
Cyber liability, equipment breakdown, EPLI, and hired/non-owned auto are among the most frequently added endorsements.
Yes. You can typically add or remove endorsements during your policy term to align with changing operations or emerging risks.
Some do, depending on the type and amount of additional protection. However, bundling endorsements under a single BOP is usually more cost-efficient than buying separate policies.
Yes. Many apply to one or the other—such as Flood Coverage for property or Professional Liability for service-based businesses.
Because endorsements consolidate your coverage into one comprehensive plan, reducing complexity while maintaining strong financial protection across all areas of risk.
Strengthen your protection with optional endorsements designed for your industry, operations, and future growth. Request a Custom BOP Coverage Review
