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Business Owner's Policy

Because protecting your business is our business, Professional Risk Associates can help you with your business liability insurance needs.

Protecting the Health of Your Practice


We have partnered with trusted insurance carriers to bring you the protection your practice needs to continue to thrive. In today's fast-changing world, new exposures continue to arise and it is becoming harder to know what risks are covered by which policies.

Business Owner's Policy

Protecting the health of your practice is as vital as protecting the health of your patients. Together with Liberty Mutual Insurance, Hanover, and The Hartford, we can offer your practice coverage options tailored to your unique medical office needs, including high valued medical equipment, spoilage, medical waste legal expense reimbursement, and more.

BOP Infograph
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Additional Coverages

Additional Coverage Options

Commercial Umbrella -

Excess coverage over your primary limit of insurance up to $5 million

Commercial Auto Policies -

For autos titled in the name of the business or leased for business use

ERISA Bonds -

This covers your 401 K or IRA offered to your employees

Flood Insurance -

Standard BOP policies exclude coverage for rising waters due to a storm. A separate policy can be issued for properties in flood zones. Search the FEMA Flood Map to determine your business' risk of flooding.

Earthquake Insurance -

Standard BOP policies exclude coverage for damage caused by earthquakes. This can be purchased for an additional premium under your BOP.

Equipment Floater Policy -

For your medical equipment on a replacement cost or actual cash value basis. This includes, x-rays, MRIs, CAT scans, etc.

Tenant's Liability -

Coverage required by your landlord. It is also known as fire legal liability for limits starting at $300,000 up to $1 million (this is for your leased or rented space).

Improvements and Betterments Liability -

Coverage for owned or leased space where you have upgraded, constructed, or renovated the area used for your business operation(s).

Business Personal Property -

Coverage for contents used in your business' daily operations. This includes, but is not limited to, office furniture, computers, medical equipment, exam tables, and any other fixtures not permanently attached to the building.




We also work alongside top carriers in other markets to bring you competitive pricing for all of your insurance needs.

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