Smart Coverage Made Simple for Small Businesses.
Running a small business comes with big responsibilities — but protecting it shouldn’t be complicated. At Rocky Mountain Insurance Advisors (RMIA), we help Castle Rock entrepreneurs combine essential coverages into one affordable Business Owners Policy (BOP) designed to safeguard your property, income, and liability.
A Business Owners Policy (BOP) is an insurance package that bundles the core coverages most small and mid-sized businesses need — typically General Liability Insurance, Commercial Property Insurance, and Business Interruption Coverage — all under one convenient and cost-effective policy.
It’s designed to simplify your protection while saving money compared to buying individual policies.
Castle Rock’s growing business community — from downtown retailers to professional offices — needs flexible protection without unnecessary complexity. A BOP provides the perfect balance of affordability and comprehensive coverage.
You get protection from:
Property damage caused by fire, storms, or theft
Customer injuries or liability claims
Business income loss due to covered interruptions
Lawsuits related to operations or products
It’s a complete solution tailored to the realities of running a business in Douglas County and throughout Colorado’s Front Range.
1. General Liability Insurance
Protects against lawsuits from injuries, property damage, and advertising harm.
2. Commercial Property Insurance
Covers your building, office space, inventory, furniture, and equipment from fire, theft, vandalism, and weather damage.
3. Business Interruption Insurance
Replaces lost income and covers ongoing expenses if your business must temporarily close after a covered loss (like a fire or storm).
4. Optional Endorsements
Customize your BOP with add-ons to fit your operations:
Data Breach / Cyber Liability
Equipment Breakdown
Employee Dishonesty
Hired & Non-Owned Auto Liability
Professional Liability (E&O)
A BOP is perfect for small to mid-sized companies that:
Operate from a physical location (office, store, or shop)
Have fewer than 100 employees
Generate up to $10 million in annual revenue
Face typical business property and liability risks
Common Castle Rock clients include:
Contractors and service professionals
Retail shops and boutiques
Medical and dental offices
Accountants, law firms, and consultants
Restaurants and cafés
Castle Rock’s commercial growth along I-25 means new offices, shops, and service providers are opening every month. RMIA understands the regional hazards — from hailstorms to theft — and the specific insurance requirements local landlords, lenders, and municipalities expect.
We tailor every BOP to fit your business type, size, and risk profile — never a one-size-fits-all approach.
Independent & Local: We compare multiple carriers to get you better coverage and pricing.
Simplified Protection: One policy, one payment, one renewal — full coverage made easy.
Personalized Support: We guide you through policy setup, renewals, and claims.
Fast Certificates: Need proof of insurance for your landlord or contract? We deliver same-day COIs.
A BOP bundles your essential coverages into one plan, usually at a discounted rate compared to purchasing them individually.
Mostly, yes — BOPs are designed for small to mid-sized operations. Larger or higher-risk companies may need custom commercial policies.
Absolutely. RMIA can enhance your BOP with add-ons like Professional Liability (E&O), Cyber, or Employment Practices Liability (EPLI).
No — employee injuries are covered under Workers’ Compensation Insurance, which we can include separately.
Pricing varies by industry and risk. Many Castle Rock small businesses pay between $600 and $1,500 annually for complete BOP protection.
Experience clarity, confidence, and care with every step — from discovery to claim.
We assess your coverage needs and explain everything in plain language — no jargon, no confusion.
As an independent agency, we partner with multiple carriers to bring you the most competitive coverage options.
When you have a question, change, or claim — we’re just a call away, ready to assist you personally.
Save time, reduce costs, and strengthen your protection with a customized Business Owners Policy from RMIA — your local Castle Rock insurance advisor.
