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    Specializing in protecting farmers market exhibitors

    BindDesk in partnership with Berkley Small Business

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Why Farmers Market Vendors Need a Businessowners Policy If you’re a farmers market exhibitor, most markets require proof of insurance. A Businessowners Policy (BOP) can provide year-round protection — often for the same price you’d pay for a single weekend of event coverage.

Annual Coverage vs. Event Coverage

Instead of paying ~$300 for a one-time event policy, a BOP offers continuous protection across multiple events for $250–$750 per year depending on coverage and your annual sales. One policy, multiple events — less hassle, more value.

Farmers Market Vendors

Most markets require proof of insurance to exhibit. A BOP not only meets those requirements but also protects your business equipment, liability, and income — all in one annual policy.

Brick-and-Mortar Businesses

Retail shops, restaurants, and other storefronts can safeguard their space, inventory, and customers from unexpected incidents.

Professional Service Providers

Whether you’re an IT consultant, accountant, or provide other services, a BOP helps protect against client disputes, equipment loss, and other business risks.

40 M+

Home Based Business

500 B

Revenue Generated

20

Generate over 100K

70 %

Started by Women

Small Business Coverage – Bound by BindDesk’s Carrier Partner, Berkley Small Business (A+ Rated by AM Best) A Businessowners Policy Bundles Essential Coverages Like Property, Liability, And Business Interruption Insurance Into One Convenient Package. Each Coverage Is Designed To Address The Unique Risks Faced By Small Businesses, Giving You Peace Of Mind And The Confidence To Focus On Growing Your Business.

Business Personal Property

Protects the equipment, furniture, and inventory your business depends on.

Business Income & Extra Expense

Helps cover lost income and additional expenses if your business is temporarily shut down due to a covered event.

Cyber Liability

Safeguards your business from financial losses due to cyberattacks, data breaches, or online fraud.

Workplace Violence Crisis

Provides coverage for several types of expenses incurred as a result of a violent event on the insured’s premises.

General Liability

Covers claims of bodily injury, property damage, or personal injury made against your business.

Employment Practices Liability

Provides protection against claims related to wrongful termination, discrimination, or harassment.

Professional Liability

Protects against claims of negligence, errors, or omissions in the services you provide.

Protect Your Business with Confidence

Let us work hard for you, so you can focus on what you do best…running your business. Here’s why a Businessowners Policy (BOP) is a smart choice for small business owners:

Protect Your Investment

Cover your business against unexpected events like property damage, theft, or lawsuits.

Save Time and Money

One policy simplifies your insurance needs and often comes at a lower cost than buying separate policies.

Plan for the Unexpected

Whether it’s a fire or a liability claim, a BOP helps you recover and keep your business running.

Gain Peace of Mind

Knowing your business is protected lets you focus on growth and success without worrying about potential risks.

Smart Insurance for Small Businesses Do you have unknown gaps in your coverage? Protect your business in a cost-effective way with comprehensive business insurance coverage through Intrepid Direct, powered by Berkley Small Business.

Simplified Protection

Safeguard your business with coverage for property, liability losses, lawsuits, and more with one simple policy.

Designed With You in Mind

Designed for start-ups, home-based businesses, and small enterprises with up to 99 employees.

Tailored Coverage

Affordable, comprehensive coverage perfectly customized to fit your small business needs.

Do You HAVE UNKNOWN Gaps in your Coverage?

Customizable Small Business Coverages:

Business Personal Property, General Liability, Business Income & Extra Expense, Employment Practices Liability, Cyber Liability, Professional Liability

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Frequently Asked Questions Your Trusted Partner in Data Protection with Cutting-Edge
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A Businessowners Policy (BOP) simplifies insurance by merging property and general liability coverage into a single policy package, designed specifically for small to medium-sized businesses. This type of policy offers a practical and often budget-friendly way to address common business risks, such as property damage or liability claims. By paying a regular premium—either monthly or annually—business owners secure protection from an insurance provider, who agrees to pay for covered claims up to a business owner’s limits and less applicable deductibles. You can request a quote today and we’d be happy to review your current policy to ensure you are properly covered.
BOP insurance typically provides coverage for a wide range of situations, such as property damage, bodily injury, and claims related to advertising errors or defamation. Beyond these essentials, BOP insurance may also include additional coverage, such as income loss due to unexpected business interruptions, equipment breakdown, and crime. To ensure your business is properly protected, review your policy and speak with your insurance provider to make sure it meets your business’s unique needs.
The cost of a Businessowners Policy (BOP) will vary depending on several factors, such as the size and type of your business, the level of risk involved, and the amount of coverage needed. Some common elements that go into pricing include: Annual sales Number of employees Where your business is located Equipment and inventory
Absolutely! A BOP can be customized by adjusting coverage limits and deductibles, and by adding optional coverages to meet your business’s unique needs. Additional coverage options can vary depending on the insurance provider, but common options include cyber liability insurance, employment practices liability insurance, professional liability insurance, and umbrella insurance—all available through our partnership with Berkley Small Business.
A Businessowners Policy can provide comprehensive coverage for a wide range of risks at a cost-effective price, making it a popular choice for small-to-midsize businesses. Having a Businessowners Policy is not required by law, but it can be an important risk management tool for many businesses, and acts as a risk transfer to limit out of pocket expenses in the event of a covered claim. Additionally, many landlords, vendors, and other business partners commonly require proof of business insurance before contracting with a small business.
A Micro-Businessowners Policy is for small, home-based businesses that need commercial insurance, and offers contents, business liability, and other coverages for businesses with revenue under $500,000.