Our community involvement

General Liability

Combines all basic property and liability risks

A basic businessowner's policy (BOP) combines protection from all major property and liability risks in one instrument instead of coverages packaged separately. These policies are created for businesses that generally face the same kind and degree of risk while other companies might purchase, or customize their policies to meet the special risks. Businessowner's Policies frequently include:


BOPs, as a rule, do NOT cover professional liability, auto insurance, worker's compensation or health and disability insurance. You'll need separate insurance policies to cover professional services, vehicles and your employees.

"Downs and Associates, Inc. has been providing my business insurance for about 8 years. They have always provided an excellent product at a very competitive price. Brian has taken great pains to review my coverage and recommend changes that he thought were appropriate. The combination of Downs and Associates, Inc. and The Erie Insurance Group offer a great insurance program, quick claims processing and a great price." Don Sever

Business insurance

Insurance Quote

Interested in a quote for BOP? Please use this form.

Get a Quote

Q: I'm just starting a business. Do I need insurance right away?

The odds of suffering a loss on the first day of business is slim, but you must be prepared for the risks that are inherent in any business and the losses, that they can cause.

hartford guardian birkshire american family cigna carefirst deltadental