Business · BOP
One package policy for your small business.
A Business Owner's Policy bundles General Liability with commercial property — often at a lower combined cost than buying each separately. Ideal for shops, offices, and small operations.
What's included
Liability and property in one policy
A BOP packages the two coverages most small businesses need, with options to expand.
General Liability
Third-party bodily injury and property damage.
Commercial property
Your building, equipment, inventory, and furnishings.
Business income
Lost income if a covered loss shuts you down temporarily.
Equipment & contents
The tools and assets you run the business on.
Optional endorsements
Add data breach, spoilage, or other coverages as needed.
Cost savings
Bundling usually beats buying GL and property separately.
Why a BOP
Simple, affordable, and complete.
One policy, one renewal
Liability and property under a single policy means one bill, one renewal, and fewer gaps.
Built for small business
BOPs are designed for shops, offices, and service businesses that fit standard eligibility.
Room to grow
Add workers' comp, cyber, or commercial auto as your operation expands — all in one place.
FAQ
Business Owner's Policy questions
What is a Business Owner's Policy?
A BOP combines General Liability and commercial property insurance into one package, often with business income coverage included. It's a cost-effective way for small businesses to get core protection in a single policy.
Is a BOP cheaper than buying coverages separately?
Usually, yes. Because the carrier bundles liability and property together, a BOP typically costs less than purchasing each policy on its own — while keeping everything on one renewal.
Does a BOP include workers' compensation?
No. Workers' comp is a separate policy. We can place it alongside your BOP so you stay compliant once you have employees, and keep both coordinated under one agent.
Is my business eligible for a BOP?
Many small, lower-risk businesses qualify, but eligibility depends on industry, size, and property values. Tell us about your operation and we'll confirm whether a BOP or a customized package fits best.
Bundle and save with a BOP.
Tell us about your business and we'll quote a package that covers liability and property in one.