Liability Insurance

Our Businessowners Policy (BOP) is a package policy designed for offices, apartments, retail stores, wholesalers, limited-cooking restaurants, mini-warehouses, and service and processing businesses. 

Liability coverage is included along with property coverage. You can add a number of additional coverages based on the needs of your business.  Your independent agent will work with you to determine what you need to have on your policy.

If you need specialized coverage for your business beyond what the BOP policy offers, we can tailor a commercial package policy to cover your business.

Liability protection included in the BOP:

• Liability for injury or property loss at your business or as a result of your operations

• Medical expenses for injuries covered right away (for trips to the emergency room, for example)

• Watercraft you do not own, size of watercraft up to 50 feet

• Bail bonds

• Fire and explosion legal liability

• Water damage legal liability

• Voluntary property damage  

• Property you do not own that is in your care, custody, and control  

• Automatically covers as “additional insured” - lessors of premises, manager or lessor of premises, mortgagee assignee/receiver, owners of leased premises, and state or political subdivisions, when required by contract

Additional liability coverage you can add:

For those times when you want a little additional security, we’ve got you covered with a variety of optional coverages.

• Professional liability - barber or beauty shops, morticians, optometrists, and opticians

• Auto liability for autos you hire or rent, or other autos you do not own

• Employee dishonesty

• Bailee coverage

• Electronic data liability

• Employment-related practice

For more information on our BOP product, download our BOP brochure (PDF).

Small Business Owners' Guide to Insurance:

The Insurance Information Institute (III) provides this online resource to help you decide what kinds of insurance you need for your business.  You can access this free guide at www.iii.org/smallbusiness.

Call your agent today and ask about Westfield. We're here to help you. To help you talk to your agent about your insurance needs, use our Small Business Checklist.