Commercial Insurance
Business Owners Policy: property and liability, bundled
A BOP combines core coverages into one package built for small and mid-size businesses — often at a better price than buying them separately. As your risk advisor, we size the limits to your real exposure instead of defaulting to the carrier's template.
What is a Business Owners Policy?
A Business Owners Policy (BOP) packages general liability and commercial property coverage — and frequently business income — into a single, convenient policy designed for eligible small to mid-size businesses. Because the coverages are bundled, a BOP is often more cost-effective than buying each policy on its own.
A BOP is a strong foundation, but it is not one-size-fits-all. We confirm your business qualifies, check the limits against your real exposure, and tune the endorsements so they line up with your contracts and your balance sheet rather than a generic package.
A BOP typically includes
Coverage varies by carrier and eligibility, but a BOP often combines:
- General liability
- Commercial property
- Business income & extra expense
- Equipment breakdown (optional)
- Spoilage (for some businesses)
- Hired & non-owned auto (optional)
- Cyber endorsement (optional)
- Additional insured options
BOP FAQs
What does a Business Owners Policy cover?
A BOP combines general liability (third-party injury and property damage), commercial property (your building, equipment, and inventory), and usually business income into one policy. Optional endorsements can add equipment breakdown, cyber, and hired/non-owned auto.
Who qualifies for a BOP?
BOPs are designed for eligible small to mid-size businesses with manageable risk profiles — many offices, retailers, contractors, and service firms qualify. Larger or higher-hazard operations may need separately structured policies, which we can build instead.
Is a BOP cheaper than separate policies?
Often, yes. Bundling general liability and property into a package frequently costs less than purchasing them individually — but the right answer depends on your exposure. We compare both so you get the best value, not just the cheapest premium.
BOP built tough. Covered right.
Get a foundation policy sized to your real exposure. Request a BOP review today.