What it is
A Business Owner's Policy (BOP) combines general liability and commercial property into a single package built for small and mid-size businesses — typically for less than buying the two separately.
What's inside
- General liability — third-party injury and property-damage claims. More →
- Commercial property — your building, equipment and inventory. More →
- Business interruption — lost income while you're closed after a covered loss, usually included
Why businesses choose it
Simpler and usually cheaper. One policy, one bill, one renewal — and carriers price the bundle below the sum of its parts. For a shop, office, or small operation, a BOP is often the most cost-effective way to get properly covered.
Who it fits
Retail shops, offices, restaurants, contractors and many service businesses of small to medium size and lower-risk profile. Larger or more specialized operations may be better served by separate policies — we'll tell you honestly which side of that line you're on.
What a BOP does NOT include
- Workers' compensation — a separate, usually required policy. More →
- Commercial auto — vehicles are covered separately. More →
- Professional liability (E&O), and typically flood and earthquake
What we do
We check whether a BOP or separate policies actually costs you less for the coverage you need — the answer isn't always the bundle — and shop it across carriers that want your type of business.
Let's get you covered.
Tell us what you need and we'll shop it across our carriers — or just ask a question first.