BUSINESS OWNER'S POLICY
Three essential coverages, one simple policy.
A Business Owner's Policy bundles commercial property, general liability, and business interruption coverage together, so you're not managing three separate policies and three separate renewal dates.
What a BOP actually combines
A Business Owner's Policy, or BOP, combines commercial property insurance, general liability insurance, and often business interruption insurance into a single policy. Property coverage protects your building, equipment, and inventory. General liability protects you if you're sued for bodily injury or property damage caused by your business. Business interruption coverage replaces lost income if a covered event forces you to close temporarily. Bundling these together is typically more cost-effective than buying each policy separately, and it simplifies your renewals down to one date instead of three.
Is a BOP right for your business?
BOPs are built for small to medium-sized businesses that face physical or legal risk, including retail stores, independent contractors, service providers, and small manufacturing companies. If your business owns or leases space, carries inventory or equipment, or could be sued over an accident or injury, a BOP is worth a look before you buy separate policies.
Protection sized for a small business, built like a big one
Your BOP is built around your specific risk profile, not a generic package, so you get real protection without paying for coverage you don't need.
Here's what a BOP protects
Building and business property
General liability for injury and property damage claims
Business interruption income replacement
Legal defense costs
Equipment and inventory
Lost income during a covered shutdown
A foundation you can build on as your business grows
A standard BOP covers the essentials, but it's not fixed. Additional coverages like cyber liability insurance can be added to protect against data breaches and other risks as your business's needs change.
Already have a standalone property or auto policy?
If you're currently juggling separate property, liability, or auto coverage, we can walk through whether consolidating into a BOP makes sense, or whether your business is better served keeping certain coverage separate, like commercial auto or landlord insurance.
What sets our approach apart
We take the time to understand your business and its actual risk exposure before recommending a BOP, rather than defaulting you into a packaged product. We offer monthly payment options and give real consideration to prior work history when building your policy, with an agent who works the details with you directly.
Business Owner's Policy questions we hear a lot
What is a Business Owner's Policy?
It's a bundled policy that combines commercial property insurance, general liability insurance, and typically business interruption coverage into one plan, instead of three separate policies.
Does my small business need a BOP?
If you're a small to medium-sized business with physical property, inventory, or exposure to liability claims, a BOP is usually worth considering. It's especially common for retail stores, contractors, service providers, and small manufacturers.
What does a BOP cover that general liability doesn't?
General liability alone only covers injury and property damage claims against your business. A BOP adds property coverage for your building and equipment, plus business interruption coverage for lost income, both of which general liability leaves out.
Is a Business Owner's Policy cheaper than separate policies?
Generally, yes. Bundling property, liability, and business interruption coverage into one BOP is typically more cost-effective than purchasing each policy individually.
