Business Owners Policy (BOP)
Protect your investment
Running a business in Montana comes with challenges, from property risks to liability claims. With small businesses facing an **increase of 20% in liability lawsuits** and natural disasters causing over **$110 billion** in damages nationwide in 2023, reliable coverage is essential. Cogswell Insurance Agency provides tailored business insurance solutions to safeguard your operations, employees, and assets.\
Why do you need business insurance?
In today’s evolving market, unexpected events can disrupt your business overnight. Whether you face property damage, employee injuries, or cyberattacks, our comprehensive policies ensure you can recover quickly and focus on growth.
Types of business insurance we offer
Commercial property insurance
Protects your building, inventory, and equipment from fire, theft, and natural disasters.
General liability insurance
Covers legal expenses and damages if your business is found liable for injuries or property damage.
Cyber liability insurance
Critical protection against cyberattacks, data breaches, and digital fraud.
Additional coverage options
- Workers’ Compensation Insurance: Covers medical expenses and lost wages for injured employees.
- Business Auto Insurance: Protection for vehicles used in your operations.
- Professional Liability Insurance: Ideal for service-based businesses to protect against errors and omissions.
Industry-specific coverage
Every industry faces unique risks. At Cogswell Insurance Agency, we specialize in insurance solutions tailored for:
- Restaurants and Bars – Including liquor liability coverage.
- Contractors and Trades – General liability, tools, and equipment coverage.
- Retail Businesses – Inventory and property protection.
- Technology Companies – Cyber liability and data protection plans.
Small business resources
Explore tools and resources to help you prepare for unforeseen risks:
Frequently asked questions
What type of business insurance is mandatory in MT?
Workers’ compensation is required for businesses with employees. Commercial auto insurance is mandatory for company-owned vehicles.
How much does business insurance cost?
Costs vary based on industry, business size, and coverage types. Our agents will help you find affordable solutions.
Why do I need cyber liability insurance?
Cyberattacks have increased by **23%** in small businesses over the last year, making it critical to protect sensitive data.
Why choose Cogswell Insurance Agency?
- Personalized Solutions: Policies tailored to your business type and budget.
- Local Expertise: Serving Montana businesses with a deep understanding of regional risks.
- Quick Claims Support: Get back to business faster with our responsive claims team.
Protect your business with confidence
At Cogswell Insurance Agency, we’re committed to helping local businesses thrive by offering comprehensive, affordable, and tailored insurance coverage. Call us at 406-761-5000 or request a free quote online today!
Looking for a different business insurance solution? View all Business Insurance solutions we offer.
Ready for the next step? Call us at (406) 761-5000 or