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Business Insurance

Business Owners Policy Insurance, explained. 

A bundled package of property + general liability + business income, priced to fit small businesses.

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Business Owners Policy (BOP)

A Business Owners Policy (BOP) bundles general liability, commercial property and business income coverage into a single, cost effective package designed for small and mid sized businesses. It is the most efficient way to get the three core coverages most small businesses actually need.

Inside a Business Owners Policy policy.

General Liability (third party bodily injury & property damage)
Commercial Property (building, contents, inventory)
Business Income & Extra Expense
Equipment Breakdown (often included)
Optional cyber, hired & non owned auto, employee dishonesty endorsements

Is this for you?

Storefronts, retailers and restaurants
Offices and professional services
Light manufacturers and wholesalers
Small businesses with under ~$5M in revenue
Anyone wanting one policy instead of three

Plain language answers.

Is a BOP cheaper than buying coverages separately?

Almost always, carriers package the three coverages at a discount, especially for businesses that fit the BOP profile.

Will every business qualify for a BOP?

BOPs target small/mid sized businesses in lower risk classes. Higher risk operations may need a tailored "commercial package" instead.

Can I add workers’ comp to a BOP?

Workers’ comp is a separate policy, but we typically place it together so your business has one renewal, one agency, one phone call.

Coverages that pair well with this one.

Ready for a Business Owners Policy quote?

A short form or a quick call. We’ll shop it across 50+ carriers and come back with options.