If you do a quick review of the types of business in Missouri towns such as Washington, Union or St. Clair, you’ll clearly see that no two of them are alike — and that means each will have different insurance needs. While a manufacturing plant would definitely require commercial property coverage for its building and assets, it is likely to have little use for liquor liability insurance. A farmer will probably need agriculture or crop insurance, but a pizza shop or restaurant could easily get by without it!
At David Pope Insurance Services LLC, we recognize that a one-size-fits-all insurance plan may result in too much coverage for one company and leave gaps in coverage for another. That’s why we work closely with every client to develop a custom commercial insurance plan that meets their unique needs and fits their budget. You’ll get a business owner package policy that works for you — not the guy down the street. We feature a wide range of commercial insurance products from Progressive, one of top insurers in Missouri and the entire USA.
Commercial package policy insurance, also referred to as a business owner policy (or BOP insurance for short), may consist of a variety of products based on the nature of the business. All companies should carry general liability (GL) insurance to protect against lawsuits due to negligent acts that may arise during the course of their business operations. If you use vehicles in your business for making deliveries or transporting supplies and equipment, you will also need commercial auto coverage.
Other components of a business owner insurance package can include property coverage for your building and the business assets housed inside it. These plans also typically include business income interruption coverage to compensate you for lost income if damage to the property prevents you from operating until you can make the necessary repairs/renovations. If you are a lawyer, consultant, insurance agent or anyone else who gives professional advice, you will need professional liability coverage to protect against client lawsuits.
You may also need to include BOP insurance to cover specific risks. Examples include valuable papers and records coverage for critical documents and electronic data and equipment coverage for computer equipment and digital records. In a time when identity theft is a rapidly growing problem for businesses, you may also need identity theft insurance coverage.
Besides getting a custom commercial insurance plan specifically designed for your business, a package can also result in lower overall costs than when purchasing individual products. For instance, Progressive offers a 5 percent discount on the commercial auto insurance premium to companies that carry BOP insurance along with commercial auto protection.
Contact the Missouri insurance professionals at David Pope Insurance Services LLC to discuss your business owner package policy options today. We’ll also be happy to provide a fast, free quote.
Rick BaileyVery helpful and knowledgeable staff. Answered all my questions in a timely fashion.Always finds me the best rates and coverage.
Robbie BaileyDavid Pope and his son are wonderful people 10 outta 10.
George HodakNever had a bad experience. Every time I have called with a question or update they have been accommodating. Proactively they have contacted us with better insurance ideas.
Philip GerberYour insurance brokerage always finds me the best rates, unlike going with just an agent for an insurance company. When my rate went up with another insurer, you immediately found a better price with a different carrier. The transition was seamless.
Jim ArnoVery helpful with giving me options for insurance. Helped with transition from my past insurance company.
Jonathan MitchellMy home and auto insurance kept going up and my old insurance agency just said that’s the way it is. They saved me about 40% on my home insurance while keeping coverage the same and still saving me money on my auto. VERY happy I made the move.
Kristy HulseyCustomer service is exceptional! Anytime I have a question or need help with anything, whether by phone or email communication, they get back with me promptly and always have an answer. Excellent at finding a way to get the best rate possible as well – which is important!
Travis OwensThe staff is very knowledgeable and the rate I received was excellent. Got BIG savings compared to my last insurance provider.
Yvonne HeinzThe customer service is fantastic and the price is a great value.
Union AmbulanceVery knowledgeable and gets us the best price on insurance.
Justin HulseyI could not be more happy with the service my family and I receive with David Pope Insurance. They are always very helpful and prompt. I highly recommend!
Pauli AnschutzI am very happy with the service my family receives with David Pope Insurance. I highly recommend!
Brandon BealIt has been a great experience. I have received help when needed and have never been bothered with a lot of phone calls or mail/emails. Friendly people doing a good job!
Jaron BondIt was easy and simple to setup my home and auto insurance. No complaints here at all.
Oakley CorbinGreat! I’ve gotten good service and they found me an amazing deal on issuance for both my business and vehicles!
Alan EakerDavid was very easy to work with and get switched over to the new insurance wit great pricing!!
Andrew CapkovicThis guy just keeps saving me more and more money. Last year he saved me 500 dollars on my car insurance alone and a couple hundred on homeowners. I call him because the rates went up on my renewal. Before I could even say anything Zach (guy who answers the phone) says yeah we already found you someone lower. Come in to set up the new provider. The best service for insurance broker I’ve ever had in my life. I guarantee I will never go to anyone else but David Pope insurance.
Jacqueline WardWhen I was reviewing the options for auto and home insurance with coverage for four teen drivers, myself and my husband- David Pope was able to find the best option to craft an affordable plan for our family; no one else even came close to the options this agency was able to design.
Ali KExcellent rates and coverage but that’s just the beginning. The service is absolutely outstanding! Every time I have a question, I get a thorough and prompt response. Every time my coverage needs change, my needs are taken care of immediately. I can’t recommend David Pope highly enough!
Gayle BDavid Pope Insurance Services is a great firm to work with. Very knowledgeable and fast to respond to all of your needs. They had my quotes ready in no time and I was able to sign on the dotted line that same day. Very convenient. I work with David initially, then had the pleasure of working with Zack. Both took great care of my needs. Highly recommend these professionals.
Mary FI have been doing business with David Pope for many years. He’s reliable & absolutely looks out for us every time we need him. He always goes the extra mile. My daughter and my brother also use him & have been satisfied also. I recommend him whole heartedly.
Steve KThis agency is very responsive. Had insurance with one company who substantially raised our home owners rates. They came to me saying they could find a better package rate that would save us money on home and auto. It is a breath of fresh air to have agents who do so without being asked! Further, had a question that wasn’t urgent on Easter Sunday. Sent it via email and received a reply that day. Can’t ask for better than that!
Nicole BMy experience with your company was amazing! From my first call requesting a quote to my most recent call requesting your company to print out our vehicle insurance cards. Employees were always positive, never made me feel rushed, customer service was superb! Thank you for making a new customer to your company feel so welcome!