All Your Essentials. One Simple Bundle.
Streamline your coverage with a Business Owners Policy (BOP). We bundle your essential property and liability protection into one simple, cost-effective package.
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Business Owner's Policies May Include the Following Coverages:
Frequently Asked Questions:
Who is eligible for a Business Owners Policy?
Generally, BOPs are designed for small to medium-sized businesses (usually under 100 employees and less than $5 million in annual revenue). The business must also operate in a low-risk industry and have a physical location (either owned or leased).
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Renters
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Restaurants
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Contractors
- Grocery/Convenience Stores
- Landlords of Apartment Buildings
- Condo Associations
- Wholesalers
- Warehouses
Is a BOP cheaper than buying separate policies?
Yes. Because the coverages are bundled together, insurance companies typically offer a discounted premium compared to purchasing General Liability and Property insurance individually. .
Does a BOP cover Workers’ Compensation?
No. A standard BOP does not include Workers’ Comp, Commercial Auto, or Professional Liability (Errors & Omissions). However, sometimes agents add these coverages as "riders" or separate policies to ensure you have 360-degree protection.
Can I customize my BOP?
Absolutely. Depending on your industry, we can add endorsements for things like Cyber Liability or Equipment Breakdown to tailor the policy to your specific needs.
What happens if I run my business from home?
Most standard homeowners policies provide very limited coverage for business equipment and zero liability protection for business activities. A BOP (or an in-home business policy) is essential to bridge that gap.