Business Owner's Policy
What's included
What It Covers
General Liability
Helps protect you from third-party claims of bodily injury, property damage and personal and advertising injury.
Building Coverage
If you own your building, a BOP can help pay to repair or rebuild it after a covered loss such as fire or wind.
Business Personal Property
Covers equipment, furniture, inventory and supplies you use to run your business, whether you own or rent your space.
Business Income
Can help replace lost income and pay ongoing expenses if a covered loss forces you to close temporarily.
Extra Expense
Helps with reasonable additional costs to keep operating after a covered loss, such as renting a temporary location.
Medical Payments
May pay minor medical expenses for a visitor injured on your premises, regardless of fault.
Who Needs It
- Retail stores, boutiques and small shops.
- Offices and professional service firms.
- Restaurants, cafes and bakeries, depending on carrier eligibility.
- Small contractors, service businesses and owners of small commercial buildings.
Optional Coverages
- Equipment BreakdownHelps cover sudden mechanical or electrical breakdown of equipment such as HVAC systems, refrigeration and computers.
- Data Breach & CyberCan help with costs to respond to a data breach, such as notifying customers and restoring records.
- Hired & Non-Owned AutoLiability protection when you or your employees drive rented or personal vehicles for business.
- Employment Practices LiabilityHelps protect against claims from employees, such as wrongful termination, discrimination or harassment.
Working with us
How We Help
- 1
Tell Us What You Need
Share a few details about you, your property or your business. It only takes a few minutes, online or by phone.
- 2
We Shop the Market
As an independent brokerage, we compare options from multiple top-rated carriers to find the right fit.
- 3
Review and Get Covered
We walk you through your options in plain language, answer your questions and help you choose with confidence.
Frequently asked questions
Common Questions
Does my business qualify for a BOP?
BOPs are typically designed for small to mid-sized businesses with lower-risk operations, such as offices, retail stores and many service businesses. Eligibility depends on the carrier and on factors such as your industry, revenue, building size and number of employees.
What does a BOP not cover?
A BOP usually does not include workers' compensation, commercial auto or professional liability, which are written as separate policies. Flood and earthquake damage are also typically excluded and need separate coverage.
Is a BOP better than buying separate policies?
For many eligible businesses, a BOP can be a convenient way to combine core coverages in one policy. Larger or higher-risk businesses may need separate policies with broader options or higher limits. Our agents can compare both approaches with you and explain the differences.
My landlord requires insurance. Can a BOP help?
Yes. Many leases require general liability and coverage for your business property, and a BOP typically includes both. Your landlord may also ask to be listed as an additional insured and to receive a certificate of insurance.
Ready to Get Started?
Get a personalized Business Owner's Policy quote or speak with one of our experienced agents.