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Comprehensive protection combining general liability and property insurance in one convenient package. The perfect solution for small to medium-sized businesses looking for cost-effective coverage across 15 states.
A Business Owner's Policy (BOP) combines general liability insurance and commercial property insurance into a single, cost-effective package. It's designed specifically for small to medium-sized businesses to provide essential coverage at a more affordable rate than purchasing separate policies.
Cost Savings: A BOP typically costs 10-20% less than purchasing separate policies for the same coverage.
A Business Owner's Policy provides comprehensive protection for your business with these key coverage components.
Protection against third-party claims for bodily injury, property damage, and personal and advertising injury.
Coverage for your business building, equipment, inventory, and other physical assets against covered perils.
Replaces lost income and covers expenses when your business is temporarily unable to operate due to a covered loss.
Covers the cost to repair or replace equipment damaged due to mechanical or electrical breakdown.
Basic protection for data breaches involving customer information (more comprehensive cyber coverage available as an add-on).
Customize your BOP with additional coverages to meet your specific business needs.
Business Owner's Policies are ideal for many small to medium-sized businesses with standard insurance needs.
Boutiques, specialty shops, and small retailers
Cafes, small restaurants, bakeries, and food trucks
Consultants, accounting firms, and small law offices
Electricians, plumbers, and other trade contractors
Salons, spas, repair shops, and cleaning services
Small-scale production and assembly operations
Typically for businesses with:
Best for businesses with:
BOPs are generally not available for:
Understanding the advantages of a Business Owner's Policy compared to purchasing separate insurance policies.
| Feature | Business Owner's Policy | Separate Policies |
|---|---|---|
| Cost | Lower - Bundle discount of 10-20% | Higher - Full price for each policy |
| Coverage Integration | Seamless - Designed to work together | Potential gaps - May have overlaps or gaps |
| Administration | Simple - One policy, one renewal date | Complex - Multiple policies to manage |
| Customization | Moderate - Some flexibility with endorsements | High - Complete flexibility for each policy |
| Claims Process | Streamlined - Single claims process | Variable - Different processes per policy |
| Best For | Small to medium businesses with standard needs | Larger businesses with complex or specialized needs |
Our expertise in small business insurance helps you find the right BOP coverage at competitive rates across 15 states.
We understand the unique needs and challenges of small businesses across various industries.
We shop multiple top-rated carriers to find you the best BOP coverage at the most affordable rates.
Dedicated agents who take the time to understand your business and customize your BOP accordingly.
Get a competitive Business Owner's Policy quote today. Our experts will help you find the right coverage to protect your business across all our licensed states.