Business Owners Insurance (BOP)
The smart, affordable way for small businesses to get comprehensive protection — general liability and commercial property in one policy.
General Liability + Commercial Property = BOP
Bundled together, a BOP almost always costs less than buying each coverage separately.
What's Included
What a BOP Covers
General Liability
Protects your business from third-party bodily injury, property damage, and personal injury claims.
Commercial Property
Covers your building, equipment, inventory, and furnishings from fire, theft, vandalism, and more.
Business Interruption
Replaces lost income and covers ongoing expenses if a covered loss forces you to temporarily close.
Data Breach (Optional)
Optional add-on covering notification costs and recovery expenses if your customer data is compromised.
Equipment Breakdown (Optional)
Covers sudden breakdown of key business equipment not covered under standard property coverage.
Hired & Non-Owned Auto (Optional)
Extends your BOP to cover vehicles rented or borrowed for business use.
FAQ
Common Questions
Who qualifies for a BOP?
A BOP is designed for small to mid-size businesses — typically under $5M in revenue — across most industries including retail, professional services, restaurants, and offices. High-risk industries like manufacturing may need standalone policies.
How much does a BOP cost?
Most small businesses pay between $500 and $1,500 per year for a BOP, depending on industry, location, revenue, and coverage limits. It is almost always cheaper than buying general liability and commercial property separately.
Does a BOP include workers' compensation?
No. Workers' compensation is a separate required policy for businesses with employees. A BOP covers third-party claims, not employee injuries on the job.
Get your business fully covered — affordably
A BOP is the most cost-effective way for small businesses to get complete protection.