Business Owners Policy
What is a Business Owners Policy?

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?
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
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.