Business Insurance
Business Owners Policy (BOP)
A Business Owners Policy bundles property and liability coverage into one convenient policy, often at a lower cost than buying each separately. Ideal for many small to mid-size businesses.
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What is a Business Owners Policy?
A Business Owners Policy (BOP) combines commercial property insurance and general liability insurance into one policy. It may also include business interruption coverage.
BOPs are designed for small to medium-sized businesses with relatively low-risk profiles. They simplify purchasing and often cost less than buying property and liability coverage separately.
Key Benefits
Common Uses for Business Owners Policy
Small businesses
Retail, offices, and low-hazard operations
Property protection
Coverage for fire, theft, and certain weather events
Liability protection
Third-party injury and property damage claims
Simplified management
One policy, one renewal, one premium
Frequently Asked Questions
A BOP combines commercial property insurance and general liability into one policy. Many BOPs also include business interruption coverage, which helps replace lost income if your operations are disrupted by a covered event like a fire or severe weather.
BOPs are designed for small to mid-size businesses with lower-risk profiles. Eligibility depends on your industry, revenue, number of employees, and location. Retail shops, offices, and service businesses commonly qualify. High-risk industries like construction may not be eligible for a BOP.
Usually yes. Bundling property and liability in a BOP typically costs less than purchasing each policy separately, making it a cost-effective option for qualifying businesses. However, if you need coverage beyond what a BOP includes, you may need to add individual policies.
General liability is a single coverage type that protects against third-party bodily injury, property damage, and advertising claims. A BOP bundles general liability together with commercial property coverage (and often business interruption) into one policy at a combined price.
Related Coverage Options
General Liability Insurance
Covers third-party bodily injury, property damage, and advertising claims.
Learn more →Commercial Property Insurance
Protects buildings, equipment, and inventory from fire, theft, and weather.
Learn more →Workers' Compensation
Covers employee medical costs and lost wages from work-related injuries.
Learn more →Ready to Get a Business Owners Policy?
Find BOP options that match your business type and risk level.