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             » Bonds
# Bonds
Bonds can benefit your business and help you build trust with your clients. In some circumstances, they may be required. If you need to purchase a bond, our agency can assist you in obtaining the right bonds for your business. Click the button below to get started.
## What Are the Types of Bonds?
Businesses may need two common types of bonds: surety and fidelity. Surety bonds provide assurances that you will fulfill your contract or follow applicable regulations, while fidelity bonds insure against your workers’ dishonest acts.
### Surety Bonds
Surety bonds are an agreement among three parties:
* The principal is the party that buys the surety bond.
* The obligee is a private or governmental party that requires the principal to secure a bond.
* The surety is the entity that underwrites the surety bond, such as an insurance company.
The obligee may file a claim against the bond if a principal doesn’t adhere to the surety bond’s terms. Then, if the situation cannot be remedied with the principal, the surety may provide financial compensation to the obligee. If that occurs, the surety will typically seek reimbursement from the principal for that payment.
### Fidelity Bonds
Fidelity bonds are a type of business insurance that may financially protect against specific dishonest acts. Two kinds of fidelity bonds include the following:
* First-party fidelity bonds may cover acts of employee dishonesty (e.g., fraud, forgery or theft).
* Third-party fidelity bonds may provide coverage for dishonest acts by individuals working for your business on a contract basis.
## Contact Us Today
Sica Insurance & Financial Services can help you get the bonds you need. Contact us for more information.
## Quick Quote Form
If you don’t have access to your insurance online, please fill out the form below and an associate from our office will give you a call to complete the quote.
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             » Business Owners Policy (BOP) Insurance
# Business Owners Policy (BOP) Insurance
A business owners policy (BOP) is several insurance policies your insurance company combines and offers at a discount. A BOP usually includes general liability insurance, property insurance and business interruption insurance.
Since the insurer designs the BOP, they also set the criteria for qualifying to purchase a BOP. Not every small and medium-sized business is eligible to purchase this insurance package.
Contact Sica Insurance & Financial Services to find out if a BOP is a good fit for your organization.
## What Is Covered Under a BOP?
A BOP typically provides the following three essential insurance policies:
* Property insurance helps cover the costs of replacing or repairing company property after a covered incident.
* General liability insurance helps cover a company’s legal liability after accidental third-party property damage or injury.
* Business interruption insurance helps cover regular bills such as rent and payroll if a company must temporarily close to allow for repairs after a covered event.
Your agent can help you tailor your BOP by adding endorsements or other insurance policies to help mitigate additional risks.
Depending on your industry and the size of your operation, your agent may recommend the following:
* Employee practices liability
* Business vehicle insurance
* Cyber liability and cyber risk insurance
* Flood insurance
* Equipment breakdown insurance
* Employment practices liability insurance
* Workers’ compensation insurance
* Umbrella insurance
## Who Is Eligible for a Bop?
BOPs generally work best for small and medium-sized businesses in low-risk industries. Insurance companies set the criteria to qualify for a BOP. Your agent can help you understand whether this coverage is appropriate for your organization.
## How to Get a BOP
Contact Sica Insurance & Financial Services today to learn about qualifying for a BOP and tailoring your coverage to meet the insurance needs of your business.