Business Owners Policy (BOP)

Bundle & Save on Business Insurance

Get General Liability and Commercial Property insurance in one convenient package. Save 10-20% compared to buying separately.

What's Included in a BOP

A Business Owners Policy combines essential coverages into one comprehensive package.

General Liability

  • • Bodily injury protection
  • • Property damage coverage
  • • Personal and advertising injury
  • • Medical payments
  • • Products and completed operations

Commercial Property

  • • Building and office space
  • • Business equipment and furniture
  • • Inventory and stock
  • • Business interruption
  • • Data and records restoration

Additional Coverages

  • • Business income coverage
  • • Extra expense protection
  • • Equipment breakdown
  • • Employee dishonesty
  • • Computer fraud

Optional Add-ons

  • • Cyber liability
  • • Professional liability (E&O)
  • • Employment practices liability
  • • Umbrella insurance
  • • Workers compensation

Why Choose a BOP

Bundling your business insurance offers significant advantages over separate policies.

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Save Money

10-20% savings compared to buying General Liability and Commercial Property separately.

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Simplified Management

One policy, one renewal date, one payment. Easier to manage and track.

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Faster Claims

Single carrier means faster claims processing and better coordination.

Who Qualifies for a BOP

BOPs are designed for small to medium-sized businesses with standard risk profiles.

Ideal Candidates

  • Small to medium businesses (under $5M revenue)
  • Low to moderate risk operations
  • Office-based or retail businesses
  • Professional services
  • Restaurants and retail stores

May Need Separate Policies

  • High-risk industries (construction, manufacturing)
  • Large businesses (over $5M revenue)
  • Businesses with unique exposures
  • High-value inventory or equipment
  • Multiple locations

Typical BOP Coverage Limits

Coverage amounts vary based on your business size, industry, and specific needs.

Small Business

General Liability $1M / $2M
Property Coverage $50K - $100K
Business Income $25K - $50K
Annual Premium $500 - $1,500

Medium Business

General Liability $2M / $4M
Property Coverage $100K - $500K
Business Income $50K - $200K
Annual Premium $1,500 - $5,000

Large Business

General Liability $2M / $4M
Property Coverage $500K - $2M
Business Income $200K - $1M
Annual Premium $5,000 - $15,000

Ready to bundle and save?

Get quotes for a BOP and see how much you can save. Most businesses qualify.