Commercial Insurance

Business Owner's Policy (BOP) for Small Businesses

A BOP is a packaged policy that combines general liability, commercial property, and business income (interruption) coverage into one affordable bundle — designed specifically for small to mid-sized businesses with manageable risk profiles.

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What BOP Insurance Covers

A BOP rolls three core coverages into one policy: General liability for third-party injury and damage; Commercial property for your building, equipment, inventory, and tenant improvements; Business income for lost revenue and continuing expenses if a covered loss shuts you down. Some BOPs add equipment breakdown, data breach, and other endorsements at modest cost.

Who Typically Needs BOP

Small to mid-sized businesses with under $5M revenue
Office-based service businesses, retail stores, restaurants, light contractors
Tenants needing both liability AND property coverage from one policy
Owner-operators looking for simplified renewal management

What We Offer

BOP shopping across multiple A-rated small-business carriers
Tailored property limits matched to your actual building, contents, and BI exposure
Optional endorsements: cyber, equipment breakdown, employee dishonesty, hired auto
Combined BOP + workers' comp + commercial auto quotes for full-program coverage

Frequently Asked Questions

Is a BOP cheaper than buying GL and property separately?

Usually yes — bundling typically saves 10-20% vs. standalone policies. The trade-off is that BOPs have eligibility restrictions (revenue caps, certain industries excluded). For businesses that fit the carrier's BOP appetite, the bundle is almost always the better deal.

Does a BOP include workers' compensation?

No — workers' comp is regulated state-by-state and underwritten separately. Most carriers will quote WC alongside a BOP and offer a multi-line account discount when you bind both. We coordinate the quotes so renewal dates align.

What's NOT included in a BOP?

Workers' comp, commercial auto, professional liability (E&O), employment practices (EPLI), cyber-specific limits, and excess/umbrella coverage are all separate. A BOP is the foundation; you build other lines around it.

My business has $10M+ revenue — can I still get a BOP?

Most BOP carriers cap eligibility at $1M-$5M in revenue. Above that, you typically buy GL and property as standalone policies (more flexibility, often necessary for higher limits). We help businesses near the BOP threshold decide which structure makes more sense.