Business Owners Policy
Comprehensive coverage in one smart package.
Get bundled General Liability and Property protection designed for small businesses. Simplified coverage that saves you money.
Licensed agents compare BOP options from top carriers and explain what's covered so you can make confident decisions.
Talk to a business insurance expert
Licensed agents who understand your industry and get you competitive quotes fast.
Business Owners Policy Explainer
Everything you need to know about BOPs
A Business Owners Policy (BOP) is one of the smartest insurance purchases for small to medium-sized businesses, yet many owners don't realize it exists or understand how much money it can save them. Whether you're running a retail store, restaurant, office, or service business, understanding how a BOP works helps you get comprehensive protection at a fraction of what you'd pay for separate policies—while simplifying your insurance management into a single, easy-to-understand package.
At its core, a BOP bundles three critical coverages into one policy: General Liability (protecting against third-party injury and property damage claims), Commercial Property (covering your building, equipment, inventory, and furniture), and Business Interruption (replacing lost income and covering ongoing expenses if disaster forces you to close temporarily). Instead of buying these coverages separately—which would cost significantly more and create administrative headaches with multiple policies, renewals, and deductibles—a BOP packages everything together at a discounted rate, typically saving businesses 15-30% compared to standalone policies. Most BOPs also include valuable coverages that might be optional add-ons elsewhere, like equipment breakdown protection.
The key to getting the right BOP is understanding whether your business qualifies and choosing appropriate limits for each coverage component. BOPs are designed for low-to-moderate risk small businesses—think offices, retail stores, restaurants, salons, and similar operations. High-risk businesses or those with heavy equipment, significant auto exposures, or unique risks typically need customized commercial packages instead. You'll need to choose property coverage (replacement cost vs. actual cash value), liability limits (most businesses carry the standard $1M/$2M), and business interruption limits (typically calculated based on your revenue and operating expenses). Ready to simplify your insurance, save money, and get comprehensive protection in one smart package?
How it works
From quote to coverage in hours
Our streamlined process gets you comprehensive protection fast so you can focus on growing your business instead of juggling multiple policies.
Step 1
Share your business profile
Tell us about your industry, location, building details, revenue, and operations so we can match you with carriers who offer BOP coverage for your business type.
10-minute application
Step 2
Compare bundled quotes
Review comprehensive BOP options from multiple carriers with transparent pricing, side-by-side coverage comparisons, and optional endorsements explained.
Same-day quotes
Step 3
Bind and stay protected
Get certificates instantly, manage your policy online, and add optional coverages anytime as your business grows and needs evolve.
Instant COIs
Key decisions
What every small business owner should know
Learn how a Business Owners Policy protects your property, shields you from lawsuits, and replaces lost income when disaster strikes.
Bundled for savings
Understand how combining General Liability and Property coverage in one BOP package saves 15-30% compared to buying separately.
Business interruption included
See how lost income and operating expense coverage kicks in when disasters force you to close temporarily for repairs.
Property protection explained
Learn what's covered—building, inventory, equipment, furniture—and how replacement cost coverage differs from actual cash value.
Who qualifies for a BOP
Discover which business types are eligible for this packaged policy and when you'll need a customized commercial package instead.
Expert support
Agents who simplify small business insurance
Our network of independent business insurance specialists understands small business needs and works with carriers offering comprehensive BOP packages.
- Agents who understand small business insurance needs and bundling strategies
- Help meeting landlord, client, and lender insurance requirements
- Guidance on optional coverages like cyber liability and crime
- Support for claims and annual coverage reviews
Need a quote to meet a landlord or lender requirement? We'll deliver BOP options and certificates fast.
Common questions
Business Owners Policy FAQs
What's the difference between a BOP and buying policies separately?+
A BOP bundles General Liability and Commercial Property into one policy, typically saving 15-30% compared to buying separately. It's designed specifically for small businesses and includes coverages that might be optional add-ons elsewhere—like business interruption and equipment breakdown—making it more comprehensive and affordable.
Does my business qualify for a BOP?+
BOPs are designed for small to medium businesses in low-to-moderate risk industries. Retail stores, restaurants, offices, salons, and similar businesses typically qualify. High-risk businesses (bars with high liquor sales, contractors with heavy equipment) may need customized commercial packages instead. Your agent can confirm eligibility.
How much does a Business Owners Policy cost?+
BOP pricing varies by industry, location, building value, and coverage limits. A small office might pay $500-$1,500 annually. A retail store could pay $1,000-$3,000. Restaurants typically pay $1,500-$5,000 depending on size and operations. Bundling saves significantly compared to separate policies.
Can I add other coverage to my BOP?+
Yes! Common add-ons include Crime coverage (employee theft), Cyber Liability, Liquor Liability (for restaurants/bars), Professional Liability, and Employment Practices Liability. You'll still need separate Workers' Compensation and Commercial Auto policies, as those aren't included in BOPs.