Property Insurance + General Liability

Business Owners Policy

Smart & Affordable Small Business Insurance

Purchasing a BOP policy is a smart and affordable way to simplify coverage needs by combining business property insurance and business liability insurance into one convenient package.

BOP policies are highly customizable. That means it’s great for businesses of any size, especially small businesses.

Property Damage

If you damage someone’s property or something happens to your business structures or equipment


If someone other than an employee gets hurt and your business is responsible

Legal Fees

You'll need an attorney for a lawsuit, even if you did nothing wrong

Inventory Replacement

If your inventory is damaged by fire, water or another source covered by your policy

Business Income

If your business has to close unexpectedly and you need help with expenses

Advertising Mistakes

If you are accused of copyright infringement, libel or slander

Business Owners Policy FAQ

No matter what type of business you own, BOP insurance can be expertly tailored to your business. Our team will walk you through the whole process of selecting the coverages that are right for you.

A business owner’s policy (BOP insurance) combines two important types of business insurance — commercial property insurance and general liability insurance — into one package that usually offers savings over buying the coverages separately.

BOP insurance is highly customizable and can be tailored to meet your unique business needs. 

A Business Owners Policy helps to protect your business from unexpected expenses related to property damage, medical payments and lawsuits.

A BOP may be right for you if:

  • You have a physical location for your business – This could be a leased or owned office, store, garage or your home.
  • You have equipment or inventory that could get damaged or stolen – because the items you need to run your business can be expensive to replace.
  • You interact with customers and the public – To help cover expenses to defend your business from a lawsuit or pay medical bills if someone gets hurt.

Because we customize coverage to suit each individual client, costs vary due to a wide range of factors. In general, lower risk businesses are less expensive to insure. Someone operating a clothing store will likely pay less than a welder, for example.

As a rule of thumb, a BOP with combined coverage is about 10-15% savings over purchasing commercial property and general liability policies individually.

A BOP is very flexible and offers endorsement options to meet the needs of your small business. Our team can help business owners understand the various options so that you can customize your policy.

  • Data breach
  • Employee dishonesty
  • Liquor liability
  • Replacement of outdoor signage
  • Many more…

Yes! In fact, a BOP may not be the right fit for your business at all.

Despite the wide range of options, a BOP is not for everyone. While we can customize coverage to meet many needs, there are limits to what a Business Owners Policy has to offer.

For example, a handyman with a single truck could be covered under a BOP. As his business grows and adds more vehicles, it would probably be better covered by a separate commercial auto policy.