BUSINESS OWNERS POLICY (BOP)
Business Owners
Policy Insurance
A simple, affordable way for small businesses to help
protect what you’ve built. Compare Business Owners
Policy (BOP) options that may include liability,
property, and more, all in one policy.
BUSINESS OWNERS POLICY (BOP)
Business Owners Policy Insurance
A simple, affordable way for small businesses to help protect what you’ve built. Compare Business Owners Policy (BOP) options that may include liability, property, and more, all in one policy.
Coverage That Works as Hard as You Do
A Business Owners Policy (BOP) combines essential coverages in one convenient policy for eligible small businesses, helping you save time and protect what matters most.
Simplified Protection
Combines common coverages like general liability and property insurance.
Cost-Effective
Bundling coverage options can be more affordable than buying separate policies.
For Small Businesses
Designed for small business owners, startups, and local businesses.
Peace of Mind
Focus on running your business while your policy helps protect you.
Built for Your Business. Backed by Coverage.
Running a business comes with risk. A customer could get injured, property could be damaged, or an unexpected claim could disrupt your operations.
A Business Owners Policy (BOP) helps combine key coverages into one policy, making it easier and more affordable for eligible small businesses to stay protected.
What Can a BOP Help Cover?
Coverage can vary by state, carrier, industry, and policy selection. Depending on your needs, your BOP may include several types of protection.
Business Owners Policy Coverage Options
A BOP may include the following coverage options:
Commercial General Liability
Helps protect your business from claims involving bodily injury, property damage, and personal or advertising injury.
Commercial Property Insurance
Helps protect your business property such as your building, equipment, inventory, furniture, and more from covered losses.
Business Personal Property
Helps cover business-owned items like equipment, tools, computers, and other personal property from covered losses.
Business Income Coverage
Helps replace lost income if your business operations are impacted by a covered loss.
Tools & Equipment Coverage
Helps protect tools, equipment, and other business property you use to operate your business.
Professional Liability (When Available)
Helps protect certain businesses from claims related to professional services, errors, or mistakes.
Cyber Liability (When Available)
Helps protect your business from certain cyber incidents, data breaches, and related expenses.
Additional Coverage Options
Depending on your business type and needs, additional coverage options may be available.
Ready to Protect Your Business?
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industry, and budget.
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Explore More Insurance Options
A Business Owners Policy, often called a BOP, combines common coverages such as general liability and commercial property into one policy for eligible small businesses.
Commercial property insurance may help cover business property such as equipment, inventory, furniture, signage, tools, and physical workspace after a covered loss.
A BOP is usually designed for eligible small businesses, startups, local service providers, consultants, contractors, retail shops, and other businesses that need basic liability and property protection.
Yes. Depending on your business type and carrier availability, you may be able to add coverage options that better fit your operations, property, equipment, and risks.
General liability may help protect your business from certain claims involving bodily injury, property damage, and personal or advertising injury.