Business Owners Insurance

BOP (Business Owners Package)

Business Owners Package policy, commonly called a "BOP" contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.

Most insurance companies see small business through the lens of the Business Owners Package Policy (“BOP”) and most agents play the same way. What’s fun about BOP’S is that their coverage varies widely between insurance companies (they all have their own flavors). The pricing also varies considerably and they all have some very interesting endorsements that can give you a lot for a little. What flavor is your BOP? Let us help you get your favorite flavor!

Your current business coverage may be several policies for different areas of your business.  Each of your small policies are referred to as “a line” of coverage.  So, with all of these various lines of coverage combined into one master policy you can now pick from a menu of available coverage and have a single policy issued.

This is simpler for you, simpler for the Insurance Company and results in less overall expense and more affordable insurance for you.   In point of fact the BOP is sometimes referred to as the Homeowners’ policy for business which is a fair description.

Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers' compensation, professional liability, or business vehicle coverage.

When considering your needs for insurance products for your home or business remember contacting Bennett Insurance Group is the right move.  Give us a call at 623-979-4140

Presented By:
Jim Bennett
Bennett Insurance Group. Inc.
623-979-4140
http://jimbennettinsurance.com
jim@jimbennettinsurance.com

Insurance Needs and Your Business

Do you have a contingency plan to take care of unplanned events or emergencies. Is your business risk-proof?

No matter how big or small your business is, it faces risks that could lower profit margins and eventually force you to close your doors - often without much notice.

Being true business professionals, we understand how serious these risks can be. We also realize that every dollar spent counts in business. That's why we have created customized business insurance plans to protect your business from unforeseen and unexpected events.

As your Insurance agent, I believe there’s more to insurance than the policy itself. It’s about providing dependable protection and service. That’s why earning your trust is my policy.

Bennett Insurance Group, Inc. has been in the insurance industry for over 20 years and takes tremendous pride in serving you to the very best of his abilities.

Ask our sales team and you will get to know why it's pure fun to work with us.

We are a diversified group of people, past pioneers, and present day visionaries,  all moving towards our goal of providing peace of mind through insurance solutions. With a relaxed workplace culture, flexible benefit programs tailored to individual employees, ongoing training and professional development and a keen focus on internal communications, we expect to grow together with our trusted partner - you.

Our Corporate Culture

• Be accessible, professional and friendly as we strive for service excellence.

• Promote a culture with a broad range of products to meet member needs.

• Offer innovative products and be responsive to the marketplace with superior product delivery.

• Offer technology to meet member needs.

• Build member loyalty, advocacy and insistence.

• Be community-involved and recognized as a good corporate citizen.

When considering your needs for insurance products for your home or business consider contacting Bennett Insurance Group at 623-979-4140

Presented By:
Jim Bennett
Bennett Insurance Group
623-979-4140
http://jimbennettinsurance.com
jim@jimbennettinsurance.com

Special Event Insurance

As part of our business coverage at Bennett Insurance Group, Inc. we can provide you with special event insurance. Whether you are planning a corporate event, holding a large rock concert, or organizing a local flower festival, you will need special event insurance to ensure that you are covered for unexpected occurrences that may spoil the success you and your company may receive when the big day arrives.

We know you want your event to be memorable, and so do we. Your priorities are our motivation, and your success event is our reward. We aim to provide unparalleled, easy to access services that can assist you. A wealth of information awaits you. And if you know how we can better serve event holders, please feel free to let us know.

We represent a unique and exclusive packaged insurance product specifically designed to protect the financial investment of your very special private event. When the individuals providing the funding begin to add up the total cost of the event, they will find that it reaches a tidy sum, all of which is at risk should something unexpected happen. Most of the different coverages are available on an optional basis and can be tailored to meet the financial specifications of your particular wedding or other private event.

Have you considered that your next speaking engagements, anniversary party, family reunion, church carnival, sweet sixteen party or hundreds of other types of special event are events that we can cover.  More importantly these events need insurance protection so that you and your family finances are protected as well.

Since Bennett Insurance Group, Inc. has unprecedented access to dozens of liability insurance programs, outstanding risk management solutions, and thorough industry expertise, we can help you find you the best coverage and premiums available in the market today for your next family or business special event.

When considering your needs for insurance products for your home or business consider contacting Bennett Insurance Group at 623-979-4140

Brought to you by:
Jim Bennett
Bennett Insurance Group
623-979-4140
http://jimbennettinsurance.com
jim@jimbennettinsurance.com

Bennett Insurance Group Presents: The Phoenix Zoo

The Phoenix Zoo opened in 1962 and is the largest non-profit zoo in the United States. Located in Phoenix, Arizona, the zoo was founded by Robert Maytag, a member of the Maytag family, and operates on 125 acres of land in the Papago Park area of Phoenix.

The zoo has over 1,300 animals on display and contains 2.5 miles of walking trails. It is divided into four main themed areas or trails: The Arizona Trail (American Southwest flora and fauna), the Africa Trail (animals from Africa), the Tropics Trail (residents of the rain forests), and the Children's Trail, which includes a petting zoo.

The zoo has been conservation minded from its inception. Soon after it opened it hosted what was thought to be the last few Arabian oryx, which formed the basis of the world herd created for Operation Oryx and eventually allowed the reintroduction of the species into the wild.

The Phoenix Zoo began as a personal project of Robert Maytag, who formed the Arizona Zoological Society with the intention of opening a zoo in Phoenix. Although Maytag died a few months before its opening, the zoo opened on schedule in November 1962. It was originally named the "Maytag Zoo", but was renamed the following year to "Phoenix Zoo" to identify it more closely with the community. The zoo has always been a privately owned, non-profit venture.

Although the zoo had some financial struggles in the early 1960s, it grew substantially during the 1970s as it added numerous new exhibits, landscaping features, and visitor amenities. The 1980s saw continued growth, with the addition of African Savanna habitat areas, a children's zoo, a new entrance complex, and other exhibits.

The zoo expanded again in 1998 with the opening of Harmony Farms, home to a petting zoo and many domestic farm animals. In 2000, the zoo opened Desert Lives, and in 2004 it added a new primate walk-through exhibit called Monkey Village. In November 2006, aquatic species were added to the zoo with the opening of Stingray Bay,. In November 2009, two Komodo dragons were brought to the zoo as a part of the zoo's capital campaign. In April 2011, as a part of the Zoo's capital campaign, Orang-Hutan: People of the Forest, the new orangutan exhibit opened to the public.

Location:  455 North Galvin Parkway Phoenix, Arizona 85008 Phone: 602.273.1341

Web site: http://www.phoenixzoo.org

Hours:
June 1 – August 31 7 a.m. – 2 p.m. (daily)
September 1 – October 31 9 a.m. – 5 p.m. (daily)
November 1 – January 6 9 a.m. – 4 p.m. (daily)
January 7 – May 31 9 a.m. – 5 p.m. (daily)

When considering your need for insurance products for your home or business consider contacting Bennett Insurance Group at 623-979-4140

Brought to you by:
Jim Bennett
Bennett Insurance Group, Inc.
623-979-4140
http://jimbennettinsurance.com
jim@jimbennettinsurance.com

Business Insurance From Bennett Insurance Group

Businesses present unique exposures for insurers, so it is harder to generalize about coverages. The categories of policies listed below are only an outline of the coverages available through our carriers. 

Whatever your commercial insurance needs, we can design a protection program that's right for you.

Being true business professionals, we understand how serious these risks can be. We also realize that every dollar spent counts in business. That's why we have created customized business insurance plans to protect your business from unforeseen and unexpected events.

This partial list is just some of the business insurance we provide:

Auto - Commercial

Business Owners Package

Business Interruption

Commercial Property

Commercial Umbrella

Contractor's Liability

Directors & Officers Liability

Employment Practices Liability

General Liability

Hotel & Motel Hospitality

Investment Property

Kidnap & Ransom

When considering your needs for insurance products for your home or business consider contacting Bennett Insurance Group at 623-979-4140

Presented By:
Jim Bennett
Bennett Insurance Group, Inc.
623-979-4140
http://jimbennettinsurance.com
jim@jimbennettinsurance.com

Insurance Vocabulary

The terms below are just some of the commonly used insurance terms. Understand their definitions to get the best from your policies.

Accidental Death Benefit: In a life insurance policy, benefit in addition to the death benefit paid to the beneficiary, should death occur due to an accident. There can be certain exclusions as well as time and age limits.

Actuary: A specialist in the mathematics of insurance who calculates rates, reserves, dividends and other statistics. (Americanism: In most other countries the individual is known as "mathematician.")

Insurance Agent: An individual who sells and services insurance policies in either of two classifications:

Independent agent represents at least two insurance companies and (at least in theory) services clients by searching the market for the most advantageous price for the most coverage. The agent's commission is a percentage of each premium paid and includes a fee for servicing the insured's policy.

Direct or career agent represents only one company and sells only its policies. This agent is paid on a commission basis in much the same manner as the independent agent.

Broker: An insurance salesperson that searches the marketplace in the interest of clients, not insurance companies.

Broker-Agent: An Independent insurance salesperson who represents particular insurers but also might function as a broker by searching the entire insurance market to place an applicant's coverage to maximize protection and minimize cost. This person is licensed as an agent and a broker.

Deductible: The amount you must pay before your insurance company will pay a claim. There are multiple types of deductibles, but in general, a lower deducible will have a higher-cost policy.

Explanation of benefits: Explanation of benefits or also known as (EOB) is a statement from your health insurance company that shows what claims it has paid on your behalf.

Claim: An Insurance claim is a request for your insurance provider to pay for services provided by a medical professional or service provider.

Co-payment: A Co-payment is also known as “co-pay” the amount, set by your insurer, that you pay when you receive medical service or for a prescription.

When considering your needs for insurance products for your home or business remember contacting Bennett Insurance Group is the right move.  Give us a call at 623-979-4140

Presented By:
Jim Bennett
Bennett Insurance Group
623-979-4140
http://jimbennettinsurance.com
jim@jimbennettinsurance.com

Insurance Needs and Your Business

Do you have a contingency plan to take care of unplanned events or emergencies? Is your business risk-proof?

No matter how big or small your business is, it faces risks that could lower profit margins and eventually force you to close your doors - often without much notice.

Being true business professionals, we understand how serious these risks can be. We also realize that every dollar spent counts in business. That's why we have created customized business insurance plans to protect your business from unforeseen and unexpected events.

As your Insurance agent, I believe there’s more to insurance than the policy itself. It’s about providing dependable protection and service. That’s why earning your trust is my policy.

Bennett Insurance Group, Inc. has been in the insurance industry for over 20 years and takes tremendous pride in serving you to the very best of his abilities.

Ask our sales team and you will get to know why it's pure fun to work with us.

We are a diversified group of people, past pioneers, and present day visionaries,  all moving towards our goal of providing peace of mind through insurance solutions. With a relaxed workplace culture, flexible benefit programs tailored to individual employees, ongoing training and professional development and a keen focus on internal communications, we expect to grow together with our trusted partner - you.

Our Corporate Culture

• Be accessible, professional and friendly as we strive for service excellence.

• Promote a culture with a broad range of products to meet member needs.

• Offer innovative products and be responsive to the marketplace with superior product delivery.

• Offer technology to meet member needs.

• Build member loyalty, advocacy and insistence.

• Be community-involved and recognized as a good corporate citizen.

When considering your needs for insurance products for your home or business consider contacting Bennett Insurance Group at 623-979-4140

Presented By:
Jim Bennett
Bennett Insurance Group
623-979-4140
http://jimbennettinsurance.com
jim@jimbennettinsurance.com