BUSINESS INSURANCE
Business Owner’s
Policy (BOP)
Essential protection for small and mid-sized businesses.
A Business Owner’s Policy (BOP) combines key coverages into one cost-effective solution, helping protect your business, property and operations.
CORE COVERAGES
Essential Protection in One Policy
A BOP bundles the key coverages many small businesses need, making it simpler to manage protection in one policy.
Property Insurance
Helps protect eligible business property, equipment, inventory and improvements from covered losses.
General Liability Insurance
Helps protect your business from covered third-party claims involving bodily injury, property damage and certain personal or advertising injury.
Business Interruption
Can help replace covered lost income and certain continuing expenses when operations are interrupted by a covered property loss.
Optional Coverages
Depending on the business and insurer, endorsements may be available for equipment breakdown and other specialized needs.
WHAT A BOP ADDS
More Than Just Basic Coverage
A Business Owner’s Policy is designed for the real-world risks many small and mid-sized businesses face every day.
Broad Protection
Combines eligible property, liability and business-income protection into one policy.
Cost-Effective
Bundling key coverages can be simpler and may be more cost-effective than buying separate policies.
Simplified Management
One policy can mean one renewal date and a more streamlined way to manage core coverage.
REAL-WORLD EXAMPLES
Everyday Situations
We Help Protect Against
A BOP can help your business recover from common, everyday risks that could otherwise lead to significant out-of-pocket expenses.
Fire or Smoke Damage
Damage to your building, equipment or inventory after a covered property loss.
Customer Injury
A customer is injured at your business location and makes a covered claim.
Theft or Vandalism
Theft or vandalism damages covered business property or inventory.
Business Interruption
A covered property loss forces your business to close temporarily.
WHO NEEDS A BOP
A Smart Solution for Many Types of Businesses
A BOP is commonly used by small and mid-sized businesses across a wide range of industries, subject to eligibility and carrier underwriting.
Retail & Wholesale
Restaurants & Food Service
Contractors & Trades
Professional Services
Office & Technology
Health & Wellness
Real Estate & Property Mgmt
Many Other Industries
BOP VS. STANDALONE POLICIES
A More Complete and Cost-Effective Option
A BOP combines key coverages into one policy, while standalone policies address individual exposures separately.
MOST POPULAR
Business Owner’s Policy (BOP)
✓ Includes General Liability coverage
✓ Adds eligible commercial property coverage
✓ Commonly includes business-income protection
✓ Optional endorsements may be available
✓ Convenient package for many eligible businesses
VS
General Liability (Standalone)
✓ Covers covered third-party liability claims
✓ Bodily injury and property damage
✓ Products/completed operations
✓ Personal and advertising injury
✓ Useful when business property coverage is not needed
RELATED BUSINESS COVERAGES
Additional Coverages to Consider
Depending on your industry and operations, you may also want to consider:
Commercial Auto
Workers’ Compensation
Cyber Liability
Professional Liability (E&O)
Commercial Umbrella
Employment Practices Liability (EPLI)
Protect What You’ve Built
Get a customized Business Owner’s Policy quote and let us help you find coverage that fits your business.