What is a Business Owners Policy?

Client Centered

Business Owners Policy combines both property and liability coverage into one package. It is typically used for small to medium sized businesses. 

Business Owner's Policy Definition 

Business Owner's Policy, commonly referred to as "BOP," combines protection for major property and liability risks in one insurance package. This type of policy assembles the basic coverages required by a business owner in one bundle.

BOP Basics 

Who Needs a Business Owner Policy?


  • You have a physical location.
  • There's a possibility of you getting sued. 
  • You have assets that could get stolen or damaged.
  • You have access to private customer data. 

What Can Be Included Under a Business Owner's Policy? 

  • General liability insurance
  • Business income insurance
  • Cyber liability insurance
  • Professional liability insurance 
  • Commercial property insurance for business property that you own, lease or rent, including:
    • Buildings
    • Equipment
    • Inventory
    • Furniture 
Who should buy a business owner's policy? 

Who should buy a business owner's policy? 

Typically, BOPs are for companies with less than $5 million in revenue and fewer than 100 employees. 

  • Retail.

  • Restaurants.

  • Contractors.

  • Grocery stores and convenience stores.

  • Landlords of apartment buildings.

  • Condo associations.

  • Wholesalers.

  • Warehouses.

Worried about the cost?

We specialize in covering businesses like yours. We have everything you need right here, including:

Monthly Payment Options

Temporary Staff Coverage

Claims Responsiveness

Tailored Coverage

Knowledgeable Agents

Coverage for Contracts

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.