Business Owners Policy
Smart Coverage for Small Businesses
A BOP bundles property and liability coverage into one policy — typically at a better rate than buying separately. It's the right starting point for most small and medium businesses.
Why a BOP
Two Essential Coverages, One Smart Policy
Property + Liability
Your building, equipment, and general liability protection bundled together.
Business Interruption
Most BOPs include lost-income coverage if a covered loss shuts you down.
A Better Combined Rate
Bundling usually costs less than buying each coverage on its own.
Simple to Manage
One policy, one renewal, one point of contact — us.
Business Owners Policy FAQs
Most small and medium businesses — retail, offices, and service businesses especially. If you need both property and liability coverage, a BOP is usually the smart starting point.
A BOP typically excludes workers' compensation, professional liability, and commercial auto. We'll identify any gaps and round out your coverage.
Yes — BOPs can be tailored with add-ons like business interruption, equipment breakdown, and more. We'll build it around your actual risks.