Business owners policy (BOP)

Protect your business and its possessions from financial loss due to covered events such as accidents, liability, and property damage.

Do you have the right coverage?

Contact us today to discuss your options.

A Business Owners Policy (BOP) is indeed a vital consideration for small to medium-sized businesses, as it bundles essential insurance coverages into one convenient package. Typically, a BOP includes:

***Property Insurance: This covers damage to the business's physical assets, such as buildings, equipment, and inventory, due to incidents like fire, theft, or vandalism.

***Liability Insurance: Protects the business in case it's sued for causing harm to another party, such as bodily injury or property damage, either on the premises or through its operations.

***Business Interruption Insurance: Offers financial support if the business is forced to temporarily close due to a covered event, helping to cover lost income and operational expenses.


A well-tailored BOP ensures your business is safeguarded against a variety of common risks, providing peace of mind so you can focus on running and growing your business.

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We’ll help you plan for the unexpected with insurance coverage that’s just right for you.

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Who referred you to us? We'd love to send them a thank you card.

Convenient service. Knowledgeable about insurance products. Friendly.

Steven K., customer since 2024

Great communication in getting quotes and explaining the details of our policies

Customer since 2023

Very responsive each & every time I contact Oetting Insurance.

John M., customer since 2023

I really appreciate the personal attention I receive with every question, no matter how little or repetitive. Everyone at this company is knowlegable, kind and patient. They will take the time to find the best affordable coverage for you, taking into consideration all your personal needs. Thank you Terry.

Customer since 2023

It's nice to have someone to call that is local and understands our needs.Terry has done that and more.

Louie M., customer since 2022

I love Mark and Betty- the are always VERY responsive and helpful!

Kellie G., customer since 2022

When you call Oetting Insurance, a real person answers the telephone. The people there are always interested in how they can help. It is a small business that consistently gives great personalized customer service. They are "old school" and you can trust them.

Michael C., customer since 2022

The atmosphere in the office is comfortable and relaxed with. No pressure to buy something.

Customer since 2021

You always do your best to find the best options possible for an individuals situation.

Jared G., customer since 2020

Always on top of anything involving my insurance. Friendly, caring and local! Highly recommend this insurance agency!

Christine W., customer since 2018

Fast friendly service easy to talk with I always know you are ready to help

Robert F., customer since 2019

You're ready and willing to answer any question, put alot of effort into finding the right product to fit our needs. Thank you

Customer since 2020

1. You are a Christian 2. You advise us on price, and compare quotes. 3. You are honest. 4. Your business ethics are of the highest standards.

Edgar R., customer since 2019

I enjoy making a phone call and having my needs, questions or changes to my policy immediately addressed. Additionally, when my renewal was due, the rates increased significantly and Oetting automatically shopped around to provide me with a better rate! Thankfully, I didn’t have to shop around. It’s a pleasure doing business with your company. Sincerely, Vicky

Vicky T., customer since 2018

I purchase insurance not based on the name of the company but based on the character of the agent. It is because of Terry Bultemeier that I am a loyal Oetting Agency customer. He has set the benchmark for all other agents/agencies and the others simply do not measure up, his level of customer service is simply unmatched. Thank you: Terry for always being there when needed the most! Doreatha Walls

Doreatha W., customer since 2021

Terry has been so helpful throughout the years in helping us find the best coverage for our family. He's very responsive and is looking at the situation as if he was in my shoes. I always recommend Oetting to friends!

Customer since 2018

Terry was able to help me contact Westfield to get my windshield repaired by SafeLight quickly and at no charge. Great service and knowledge of the system. Thanks so much.

Dale B., customer since 2003

Any time I call. I am given undivided attention. courtesy and information or suggestions. I never feel rushed.

Customer since 1984

Oetting Insurance has been my insurance agent since I purchased my first car in high school. Fortyish years later they are my agent for auto, home and liability insurance. We recently had a water incident in our home. My first call was to Terry Bultemeier. Terry reached out to the insurance company for me and gave me recommendations on who to call for clean up. He also gave me a lot of great advice on how to handle my situation. Oetting insurance has always been more than an insurance agent to me. They have been the people who have stood behind me and helped me out during some very tough situations. I am very grateful.

J R., customer since 1985

Always great customer service

John M., customer since 1990

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