Business Owner's Policy (BOP)
A Business Owner's Policy (BOP) packages your most important coverages into a single, discounted policy: business personal property, general liability, and usually business income. For most small and mid-size businesses, a BOP is the most efficient way to cover both their contents and their liability exposure at once. We help you decide whether a BOP or standalone property coverage is the better fit—and make sure the property limits inside the BOP actually match what your contents are worth.
What's Covered
- Bundles BPP + general liability in one policy
- Business income / interruption usually included
- Cost savings versus buying coverages separately
- Simplified billing and renewals
- Third-party bodily injury and property damage liability
- Property limits matched to your real contents value
- Add-ons for equipment breakdown, cyber, and more
- Ideal for retail, office, and service businesses
Common Scenarios
- →A customer is injured on premises (liability)
- →Fire damages contents and forces a temporary closure
- →Theft of equipment plus a lost-income period
- →Property damage claim from business operations
Typical Limits
Packaged limits with property scheduled to contents value; GL commonly $1M/$2M
Get a Quote for Business Owner's Policy
Our specialists will value your property and structure coverage that fits—comparing multiple carriers within one business day.
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Business Personal Property
The core coverage for everything your business owns inside its walls—furniture, equipment, inventory, electronics, and fixtures.
Commercial Property
Broader property protection covering both your building (if you own it) and your business personal property inside it.
Business Equipment
Protect the tools, machinery, and equipment your business depends on—at your location, off-site, or in transit.