Streamlined Coverage for Small Business Owners

BOP Insurance That Covers Your Business Basics

Running a business means juggling a lot—and your insurance should make things simpler, not more complicated. A Business Owners Policy (BOP) combines general liability and property coverage into one smart, affordable package tailored for small businesses.
Simplified Protection for Growing Businesses

One Policy, Total Peace of Mind

With a BOP, you get the core coverage most small businesses need in one policy. It’s cost-effective and customizable, helping you stay protected without overpaying.

General Liability

Essential coverage for every business.

  • Bodily Injury – Covers injuries that happen on your property.
  • Property Damage – Protects you if you damage a client’s property.
  • Legal Fees – Covers the cost of lawsuits or settlements.

Commercial Property

Protect your physical assets.

  • Building Coverage – Covers owned or leased buildings.
  • Contents Insurance – Protects tools, equipment, and inventory.
  • Loss of Income – Replaces income if you’re forced to close temporarily.

Optional Add-Ons

Tailor your BOP to fit your business.

  • Data Breach Coverage – Protects against cyber threats.
  • Equipment Breakdown – Covers repair or replacement of critical systems.
  • Employee Dishonesty – Protection from internal theft or fraud.
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Smart Coverage for Savvy Owners

A BOP makes insurance simple, streamlined, and cost-effective. It’s a great starting point for many small to midsize businesses—and we’re here to help you customize it to fit your unique needs.

Your Questions, Answered

BOP FAQs

Here are answers to common questions about Business Owners Policies.

  • What types of businesses qualify for a BOP?

    Retail shops, offices, restaurants, and many service businesses are eligible.

  • Can I add coverage later?

    Absolutely! BOPs are flexible and scalable as your business grows.

  • Does a BOP include workers’ compensation?

    No, but we can help you add a separate policy to complete your protection.

Let’s Build a BOP That Works for You

Get in touch to explore your options and receive a personalized quote.