Business owners policy (BOP)
A BOP packages property, general liability, and business income into one policy for eligible small businesses. We compare BOP options from multiple A-rated markets and explain what's included, what's added by endorsement, and what needs its own policy.
Built for owners like you
Retail stores
Shops, boutiques, convenience stores, and similar storefronts.
Offices & services
Professional offices, salons, and service businesses.
Building owners
Owners leasing space to tenants, on a BOP or LRO form.
Contractors with a shop
Eligible trades with an office, shop, or stored equipment.
What we can put in place
Coverage, limits, and deductibles depend on the carrier, the property or operation, and the policy issued. We explain each one before you decide.
Building
If you own the building, coverage for the structure, subject to the policy's valuation and deductible.
Business personal property
Inventory, furniture, equipment, and improvements you've made to leased space.
General liability
Third-party bodily injury and property damage claims, plus legal defense.
Business income & extra expense
Lost income and extra costs while a covered loss shuts down or slows your operation.
Endorsements where available
Equipment breakdown, hired & non-owned auto, data breach, and more. Availability varies by carrier and state.
COIs for landlords & clients
Most commercial leases require GL naming the landlord as additional insured. We issue the certificates.
Usually not covered
These typically need a separate policy or endorsement.
- Workers' compensation (separate policy)
- Owned business vehicles (commercial auto)
- Professional liability / E&O
- Flood and earthquake
- Liquor liability, if you serve alcohol
What we need to quote
Have these ready and we can approach the right markets the first time.
- Description of your business and years in operation
- Location address, and construction and year built if you own the building
- Annual revenue and number of employees
- Value of contents, inventory, and equipment
- Building value, if owned
- Claims in the last 5 years
- Current policy declarations page, if insured
BOP or general liability alone?
General liability covers your liability to others. A BOP adds coverage for your own property and lost income. If you have a location, equipment, or inventory, a BOP is usually the better starting point, as long as your business is eligible. Higher-hazard operations, including many restaurants, may need separate GL and property policies, which we review case by case.
Common questions
This page is general information, not a policy or a binder. Actual coverage, limits, exclusions, and eligibility depend on the policy issued, carrier underwriting, and state rules. Coverage is not in force until confirmed in writing.
Ready to compare your options?
Free, no-obligation quote. A licensed agent reviews every request and explains what's covered, what's excluded, and what it costs.