What Is a BOP?
A Business Owners Policy combines general liability and commercial property coverage into a single policy, usually at a lower cost than buying them separately. It’s designed for small to mid-size businesses and can be customized with endorsements for your specific needs.
What’s Typically Included
- General liability for third-party bodily injury, property damage, and advertising injury claims
- Commercial property coverage for your building, equipment, furniture, and inventory
- Business income protection if a covered event forces you to close temporarily
- Additional coverages like equipment breakdown, data breach liability, and hired auto
Who Needs a BOP?
If you operate from a physical location, own business equipment, or interact with customers and vendors in person, a BOP is usually the most cost-effective starting point for your insurance program.
Let Us Build Your Policy
We’ll review what your business does, where you operate, and what assets you need to protect, then find the right BOP from our carrier panel.