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Small business in America is thriving. It's the reason why the American economy is up and the reason why unemployment is down. Applause, while well-earned, needs a pause. For the small business owner, the risk exposure is a rather broad one. Should the operation close due to any of the associated losses, he or she holds the bag of responsibility for loss of livelihood for the workers, as well as loss of trust in customers and clients. What can the small corporate owner do to mitigate risks and liability? One word: insurance. While that one word holds a lot of meaning, acquiring the right type of coverage - one that will ably address the related perils - is of utmost importance. Enter the Business Owners Policy, commonly referred to as the BOP. A tailor-made coverage for the commercial owner, the BOP can protect the business owner from the devastation of damage or loss and the frightening prospect of a business closure and all of its ramifications. The BOP: Three-Prong Protection for A Corporate Owner 1. Coverage for a Lawsuit This type of insurance can shield your business and your associated assets in the event you are found liable for damages in a lawsuit that is brought against you. Consisting of various forms of coverage, it is the commercial general liability part of the policy that can help you if you are sued by providing coverage, should a third party hurt themselves or incur injuries on your business property. 2. A Packaged insurance Bundle The Business Owners Policy is made up of various coverages that otherwise would be acquired piecemeal. The standard BOP includes general liability, property insurance and business interruption insurance. Because it comes as a package deal, it usually comes with a discount, much like the bundled home and auto insurance policy. The lower attached premium saves the business owner money and allows his business to keep down related expenses without consequences to underlying indemnity protection. 3. Priceless Peace of Mind Ask any business owner and he or she will tell you that worry and aggravation go hand in hand with running a commercial operation. The BOP gives the business owner one less thing to be busy with. Opposed to dealing with multiple policies from multiple insurance carriers, the BOP policyholder enjoys the convenience of managing one all-inclusive business policy, and in the event of related claims, the ease of the associated process. That adds up to one vital result that can be summed up as priceless peace of mind. For more information about a Business Owners Policy and your business, consult with a reputable independent insurance agency.