Business owner's policy
A BOP bundles liability and property for small operations, and it usually prices better than buying them apart. We shop it across multiple A-rated carriers and make sure the lines it leaves out are covered too.
Liability and property, together
One package built for small and mid-sized businesses
A business owner's policy puts your two core exposures, the liability of operating and the property you rely on, into a single package, usually with business income coverage built in. For a lot of businesses it is the efficient way to buy. The care is in the details, the property limits, the way business income is calculated, and the lines a BOP was never meant to include.
What's included
The core of a BOP, plus the add-ons carriers offer. What is packaged and what is optional varies, which is part of what we compare.
Commercial property
Your building, if you own it, plus contents, inventory, and equipment, protected against fire, theft, and other covered losses.
General liability
Third-party bodily injury, property damage, and personal and advertising injury, with legal defense, all in the same policy.
Business income
Lost income and continuing expenses while a covered loss keeps you closed, which is often the coverage that matters most.
Equipment breakdown
Damage from mechanical or electrical failure of the systems you run, available as an add-on on most BOPs.
Spoilage & extra expense
The cost to keep operating from another location or to replace perishable stock after a covered loss.
Optional endorsements
Coverage tailored to your work, from data and cyber add-ons to hired and non-owned auto, added where it fits.
What a BOP leaves out
A BOP is a strong base, but it is not the whole program. It does not include workers compensation once you have employees, commercial auto for your vehicles, or professional liability for your advice and work product. Cyber usually appears as a small endorsement rather than real coverage, which is a common surprise in a claim.
We place those lines alongside the BOP so the package does the job it is good at and nothing is quietly left uncovered.
Business owner's policy FAQ
What is a business owner's policy?
A business owner's policy, or BOP, packages general liability and commercial property into one policy, usually with business income coverage included. It is designed for small and mid-sized businesses and generally prices better than buying liability and property separately.
What does a BOP not include?
A BOP does not include workers compensation, commercial auto, or professional liability, and cyber is usually a limited add-on rather than full coverage. Those are written alongside it. We make sure the lines a BOP leaves out are actually in place so you are not relying on a package that was never meant to cover them.
Who qualifies for a BOP?
Most small and mid-sized businesses with a manageable property exposure qualify, from offices and shops to many service and light-trade operations. Carriers set eligibility by industry, size, and revenue. If a BOP is not the right fit, we place the same coverage as separate policies.
Is a BOP cheaper than separate policies?
Bundling usually prices better than buying liability and property apart, which is much of the appeal. The right answer still depends on your exposure, so we quote it both ways when it is close and show you the difference.
Tell us about your business and we'll bring back options to compare
A few minutes to start. We shop the BOP across multiple A-rated carriers and quote the lines around it too.