Business Owner’s Policy (BOP)

Bundle essential coverage into one smart, cost-effective policy designed for small and midsize businesses.

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Simplified Coverage That Covers More, Costs Less

A Business Owner’s Policy combines general liability and commercial property coverage—two of the most important protections for any business. It’s a streamlined solution that helps you save on premiums while covering key risks.

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Designed for Everyday Business Risks

A BOP protects your business against lawsuits, property damage, theft, and more—all in one policy. It’s ideal for retail shops, offices, service providers, and many other small businesses

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Customizable to Fit Your Operation

Need to add coverage for business interruption, equipment breakdown, or cyber liability? We’ll help you customize your BOP so it works for your business, not just the average one.

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Efficient, Affordable, and Easy to Manage

A BOP can save you time and money by bundling your coverage and simplifying renewals, billing, and policy service.

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FAQs

  • What does a Business Owner’s Policy include?

    A standard BOP includes general liability and commercial property coverage. You can also add options like business interruption or equipment protection.

  • Who qualifies for a BOP?

    Most small to midsize businesses with fewer than 100 employees and under $5 million in revenue qualify—but it depends on your industry and risks.

  • Is a BOP cheaper than buying policies separately?

    Often, yes. Because it bundles coverage, a BOP can reduce overall premiums while still providing essential protection.

  • Can I add workers’ comp or commercial auto to a BOP?

    Those coverages are typically sold separately, but we can help you package them together under a single account for convenience.

  • What if my business grows?

    We’ll regularly review your coverage to ensure your policy evolves with your business. If you outgrow a BOP, we’ll help you transition to a more flexible commercial package.

We help you get the right protection in one easy-to-manage policy

One Policy. Multiple Protections. Zero Guesswork.

Let’s see if a Business Owner’s Policy is the right fit for your business—and make sure it covers what matters most.