Florida Commercial Insurance – Business Owners Policy Exclusions

A business owners insurance policy is a comprehensive coverage usually written as all-risk unless the insured requests named peril

All risk coverage covers losses from causes which are not specifically excluded.

Named Peril insurance coverage is a policy that instead covers specific losses listed on the policy, opposite of All-Risk.

Perils that are usually excluded from BOP (Business Owners Policy) include:

  • Nuclear Damage
  • Government Operations
  • Military
  • Pollution
  • Sewage Backup
  • Earthquakes
  • Power Failure
  • Inherent Vice (Normal Wear and Tear)
  • Decar, Rust
  • Loss Caused By Animals
  • Intentional Illegal Actions Performed by Name Insured
  • Criminal Acts by the Name Insured’s Employees
  • Errors in the Computer System of the Insured Business Owner
  • Property Loss that is a result of Faulty Design, Development, or Planning

Speak with a licensed Insurance Professional from V.W. Gould Agency to assess your current Business Owners Policy

It is important that as a business-owner you understand the exclusions and realize the potential for various coverage’s that need to be obtained to fill in the holes left in the exclusions. A representative at V.W. Gould Agency is ready to assist you in determining the c overages you may need to avail yourself of. To speak with a licensed insurance professional in regards to your commercial insurance policy give us a call today at (386) 734 3970.

Call us today for a free no obligation quote 386 734 3970

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201 N. Woodland Blvd.
DeLand, FL 32720
Phone: 386-734-3970


Mon: 9:00 AM – 5:00 PM
Tues: 9:00 AM – 5:00 PM
Wed: 9:00 AM – 5:00 PM
Thurs: 9:00 AM – 5:00 PM
Fri: 9:00 AM – 5:00 PM
Sat: Closed
Sun: Closed