Property & BOP Insurance in Orange & Lake County, FL
Bundle General Liability and Property to protect your building, contents, and income—ideal for shops, restaurants, offices, and service contractors across Central Florida.
Get Commercial QuoteWhat Is a Business Owners Policy (BOP)?
A BOP combines General Liability with Commercial Property coverage—often with better pricing—plus options like business income and equipment breakdown.
For many local businesses in Orlando, Winter Garden, Windermere, Dr. Phillips, Clermont, and Minneola, a BOP is the most efficient way to satisfy landlord and lender requirements while protecting day‑to‑day operations. We help tailor limits, deductibles, and endorsements to match your lease, COI wording, and risk tolerance.
Who Benefits Most from Property & BOP?
Designed for main‑street retail, food & beverage, professional offices, and service trades throughout Orange & Lake County.
Retail & Boutiques
Merchandise, displays, and signage—pair contents with BOP and business income.
- Stock & inventory protection
- Glass & signage options
- Seasonality considerations
Restaurants, Cafés & Taprooms
Protect kitchen equipment, food spoilage, and weekend revenue spikes.
- Spoilage & utility services
- Equipment breakdown
- Business income after loss
Professional Offices
Financial, legal, and advisory firms with electronics and client files.
- Business personal property (BPP)
- Electronic data & EDP options
- Tenant improvements & betterments
Contractors & Service Trades
Shops, small warehouses, and tenant spaces needing GL + property.
- Tools at premises (BPP)
- Inland Marine for off‑premises gear
- Installation floater options
HOAs & Property Managers
Clubhouses, pools, fitness rooms, and maintenance equipment.
- Buildings & common areas
- Equipment breakdown
- Crime & employee dishonesty
Health, Wellness & Fitness
Studios with landlord requirements and sensitive scheduling needs.
- Tenant improvements
- Business income & extra expense
- Glass & mirrors coverage
What Your Property & BOP Can Include
Core protections plus Florida‑focused options to help keep revenue flowing after a loss.
Building Coverage
For owners: structure, permanently installed fixtures, and improvements.
- Replacement cost or ACV
- Coinsurance & agreed value options
- Outdoor signs (vary by carrier)
Business Personal Property (BPP)
Contents: furniture, computers, stock, POS equipment, & more.
- Off‑premises & transit sublimits
- Theft & vandalism coverage
- Lock & key replacement
Business Income & Extra Expense
Replaces lost income and pays extra to reopen after a covered loss.
- Actual loss sustained (where available)
- Utility service interruption options
- Extended period of restoration
Equipment Breakdown
Mechanical, electrical, and pressure systems—great for kitchens.
- Electrical surge & short‑circuit
- Boiler/pressure vessel
- Service line (select carriers)
Ordinance or Law
Helps with code upgrades when repairing older buildings.
- Loss to undamaged portion
- Demolition & increased cost of construction
- Customizable limits
Water Damage Options
Tailored to Florida exposures like water backup & wind‑driven rain.
- Sewer/Drain/Water backup
- Wind‑driven rain (eligibility varies)
- Mold sublimits (carrier specific)
Spoilage & Refrigeration
For food service & floral shops when power or equipment fails.
- Temperature change spoilage
- Dependent properties options
- Utility services coverage
Outdoor Property & Glass
Signs, fences, and plate glass—often critical for retail frontage.
- Wind/hail considerations
- Per‑item sublimits
- Scheduled sign options
Florida Focus: Wind & Lease Requirements
We align your policy with landlord COI wording and Florida wind provisions to avoid delays and surprises.
Wind & Hurricane Deductibles
Named storm or hurricane deductibles are common. We’ll explain options and how they impact premiums and claims.
- Percentage vs flat deductibles
- Roof condition considerations
- Eligibility & carrier differences
Landlord & Lender Requirements
Meet contract terms the first time to keep move‑ins and draws on schedule.
- Additional insured, primary & noncontributory
- Waiver of subrogation & notice of cancellation
- Evidence of building coverage or BPP as required
COIs & Contract Review
Fast certificates with matching language. We help you avoid coverage gaps created by endorsements you don’t have.
- Rapid COI turnaround
- Form/endorsement guidance
- Annual review & renewal timing
Recommended Add‑Ons
Round out your protection based on your operations, contracts, and risk tolerance.
General Liability
Slip‑and‑fall, property damage, and personal/advertising injury.
- Premises & operations
- Products & completed operations
- AI/Waiver options
Cyber Liability
Data breach, ransomware, and funds‑transfer fraud response.
- Incident response & forensics
- Business interruption
- Social engineering
Professional Liability (E&O)
For advice‑driven services (financial, legal, consulting, tech).
- Defense costs (varies by carrier)
- Prior acts & retro dates
- Contractual coverage considerations
Inland Marine / Equipment
Protect mobile tools and equipment off‑premises and in transit.
- Contractor’s equipment
- Installation floater
- Rented/leased equipment
Commercial Auto & HNOA
Company vehicles or employees using personal cars for work.
- Hired/Non‑Owned liability
- Rental reimbursement options
- Symbol flexibility (varies)
Workers’ Comp & Umbrella
Statutory employee coverage + higher limits above GL/Auto.
- Certificates matched to contracts
- Employer’s liability limits
- Umbrella over GL/Auto/WC (where eligible)
Serving Orange & Lake County
Local guidance, fast certificates, and helpful contract reviews where you do business.
Orlando
Downtown offices, tech corridors, and logistics hubs—pair BOP with GL and Cyber.
- Landlord COI wording
- Higher limit options
- Quick certificates
Winter Garden
Historic downtown & Plant Street—consider spoilage, glass, and business income.
- Seasonal event exposure
- Equipment breakdown
- Utility services
Windermere
High‑end professional suites—strong E&O and Cyber complements.
- Electronic data coverage
- Business personal property
- Ordinance & law
Dr. Phillips
Retail and restaurant clusters—BOP plus spoilage & glass.
- Dependent properties
- Signage coverage
- Extended BI options
Clermont
Growing retail corridors and offices—pair property with inland marine.
- Contractor’s equipment
- Installation floater
- HNOA where needed
Minneola
Family‑run service businesses—right‑sized BOP with GL and Auto.
- Tools & BPP limits
- Business income
- Umbrella options
Why Choose Premier Group Insurance?
Local, independent, and responsive—ideal for owners, GMs, and office managers who need things done right the first time.
Local Insight
We know the documentation local landlords and vendors require, and we match your policy and COIs accordingly.
Independent & Unbiased
We shop multiple A‑rated carriers to balance limits, deductibles, and premiums to your budget and risk tolerance.
Fast, Dedicated Service
One point of contact for quotes, COIs, renewals, and claims—so you can focus on clients, not paperwork.
Ready to Protect Your Business Property?
Let’s tailor a BOP that satisfies your lease, protects your assets, and keeps revenue flowing after a loss.
Contact Us Get a Quote