Skip to main content
Business coverage

Business Owners Policy (BOP)

A Business Owner's Policy (BOP) bundles general liability and commercial property into one package, which is exactly what most landlords and client contracts ask for when they request proof of coverage. Buying the two together usually costs less than separate policies while covering the everyday risks — a customer injury, a fire, a break-in — that could otherwise close a small business for good.

Request BOP Quote Schedule Consultation

Who this coverage is for

A Business Owners Policy, or BOP, is built for small and mid-sized businesses that want their most common coverages bundled into one convenient plan. It is a popular fit for shops, offices, restaurants, and service businesses that want solid protection without juggling separate policies.

What it can help protect

A BOP typically packages several core coverages together, often at a lower cost than buying them one by one:

  • General liability — helps cover claims that your business caused bodily injury or property damage to someone else.
  • Commercial property — helps repair or replace your building, equipment, and inventory after a covered loss like fire or theft.
  • Business interruption — helps replace lost income if a covered event forces you to pause operations.
  • Bundled savings — combining coverages in one policy is often more affordable and simpler to manage than separate plans.
  • Optional add-ons — many BOPs let you tack on extras like data breach or equipment breakdown coverage.
Regularly misunderstood coverages
BOP vs. General Liability

What a BOP bundles in beyond plain liability.

Key choices and underwriting factors

A licensed review will usually focus on business class, revenues, and locations, property values and interruption dependence, and when BOP may or may not fit versus separate policies.

Common Questions