How much does a BOP cost?

Because a BOP bundles multiple coverages, it's typically cheaper than buying the policies separately. Costs generally range from $500 to $3,000 per year depending on your industry, location, and property value.

What businesses are not eligible for a BOP?

BOPs are designed for low-to-medium risk small businesses. Large corporations, highly specialized operations, or businesses with high-risk premises (like large manufacturing plants or amusement parks) typically need separate commercial policies.

Can I add additional coverage to my BOP?

Yes! While a standard BOP includes general liability, property, and business interruption, you can often add endorsements for cyber liability, equipment breakdown, employment practices liability, and more.

Does a BOP include workers compensation?

No, a BOP does not include workers compensation. Workers comp must be purchased as a separate policy, which we can easily set up alongside your BOP for complete protection.

How quickly can I get a BOP?

For many small businesses, we can provide a quote and bind coverage on the same day. Our agents will quickly assess your needs and compare options from top carriers.

Business Owners Policy (BOP)

Comprehensive coverage combining property and liability protection in one package

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What is a Business Owners Policy?

A Business Owners Policy (BOP) is a comprehensive insurance package designed specifically for small to medium-sized businesses. It combines three essential coverages into one convenient, cost-effective policy.

Instead of purchasing separate policies for property insurance, general liability, and business interruption coverage, a BOP bundles them together at a lower cost than buying each individually.

This makes it an ideal solution for small business owners who want comprehensive protection without the complexity and expense of managing multiple insurance policies.

What's Included in a BOP?

Three essential coverages bundled into one comprehensive policy

Property Insurance

Protects your business property, equipment, inventory, and physical assets from damage or loss.

Building and structures
Equipment and machinery
Inventory and supplies
Furniture and fixtures
Fire, theft, and vandalism

General Liability

Covers third-party claims of bodily injury, property damage, and advertising injury.

Customer injuries
Property damage claims
Legal defense costs
Medical payments
Advertising injury

Business Interruption

Replaces lost income and covers expenses when your business is forced to close temporarily.

Lost income replacement
Operating expenses
Temporary relocation costs
Payroll continuation
Loan and lease payments

Optional Add-Ons Available

Equipment Breakdown

Cyber Liability

Crime Coverage

Employment Practices

Is a BOP Right for Your Business?

BOPs are ideal for small to medium-sized businesses across various industries

Retail Stores

Shops, boutiques, and specialty stores

Restaurants

Cafes, bakeries, and food service

Office Businesses

Professional services and consultants

Salons and Spas

Beauty and wellness services

Apartments

Small property management

Contractors

Light construction and trades

Service Businesses

Cleaning, repair, and maintenance

Wholesalers

Distribution and supply businesses

BOP vs. Individual Policies

See how a BOP compares to buying separate policies

Business Owners Policy

One bundled policy with all core coverages
Lower cost - typically 15-30% savings
Single renewal date and payment
Simplified management and claims
Faster application process

Individual Policies

Multiple separate policies to manage
Higher total cost when purchased separately
Different renewal dates to track
Complex coordination between carriers
Longer setup time for each policy

Frequently Asked Questions

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Protect your business with a customized Business Owners Policy

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Popular Coverages

Explore our most requested insurance solutions to complete your protection.

Auto Insurance

Comprehensive coverage for your vehicle.

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Home Insurance

Protect your home and belongings.

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Commercial Insurance

Complete protection for your business.

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General Liability

Essential third-party business protection.

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Business Owners Policy

Bundled liability and property coverage.

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Workers Comp

Coverage for workplace injuries.

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Umbrella Insurance

Extra liability protection beyond limits.

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Life Insurance

Financial security for your family's future.

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