Business Owners Insurance is designed to protect what makes your business unique.

What is a Business Owner’s Policy (BOP)

A Business Owner’s Policy (BOP) combines key commercial coverages — including general liability, commercial property, and business income protection — into a single, convenient policy designed to protect business owners against common risks.

What’s Included in a Business Owner’s Policy (BOP)?

Property Insurance

Protects your business property—including buildings (if owned), equipment, furniture, inventory, and contents—against covered risks such as fire, theft, vandalism, and certain natural disasters.

General Liability Insurance

Helps protect your business from third-party claims involving bodily injury, property damage, and personal or advertising injury, including legal defense costs when applicable.

Business Interruption Coverage

Provides financial support if a covered loss forces your business to temporarily shut down, helping replace lost income and cover ongoing operating expenses during the recovery period.

Who Needs a Business Owner’s Policy?

BOPs are ideal for:

• Retail stores
• Restaurants and cafés
• Contractors and service professionals
• Property managers and landlords
• Small offices and startups
• Wholesalers and trade businesses

Most insurers require your business to be small/medium, low-risk, and have fewer than 100 employees.

Add-Ons & Optional Coverages

A BOP can be customized with:

• Cyber liability endorsements
• Equipment breakdown protection
• Crime insurance
• Business interruption assistance

(note: workers’ comp, professional liability, and commercial auto often require separate policies)

Common Questions

What’s the difference between BOP vs general liability?

A BOP combines general liability with property coverage and often business income protection — unlike standalone general liability.

Will a BOP cover my leased property?

Yes, a BOP can cover leased or rented business property if specified in the policy.

How do I get a quote?

Connect with one of our licensed agents to compare tailored options and pricing.