Business owners policy.
One policy, three core coverages: General Liability, Property, and Business Interruption. Built for small and medium businesses that want comprehensive protection without juggling multiple carriers.
A Business Owners Policy bundles the coverages most small businesses need into a single, simpler-to-manage package — often at a lower combined premium than buying each piece separately. Same protection, fewer renewal dates, one carrier to call.
BOPs fit retail, restaurants, offices, light contractors, and most service businesses. We pair you with the right carrier for your industry and add endorsements where the standard package doesn't quite reach.
Built around how you actually run.
- Cost-effective bundling. Combining liability, property, and BI into a BOP commonly delivers a lower combined premium than standalone policies — and one renewal cycle to manage.
- One renewal, one bill. One policy, one renewal date, one payment. Easier to manage, harder to let lapse.
- Endorsable. Add professional liability, cyber, hired/non-owned auto, or industry-specific coverages as needed.
- Fast to bind. Most quotes move from request to bound coverage in 24–48 hours.
What's typically included.
- General Liability — bodily injury, property damage, advertising injury
- Property Insurance — building, contents, inventory, equipment
- Business Interruption — lost income and ongoing expenses if you can't operate
- Equipment breakdown coverage
- Crime coverage (employee theft, money & securities)
- Optional endorsements: cyber, professional liability, hired/non-owned auto
Questions before the quote.
A BOP bundles General Liability, Property, and Business Interruption coverage into one policy. It's built for small and medium businesses and typically costs less than buying each coverage separately.
One policy.
Three core coverages.
Tell us about your business. We'll quote a BOP from carriers that fit your industry and walk you through what's covered, what isn't, and what to add.