Business Owners Policy Insurance
Essential Protection—Bundled for Convenience and Savings
What Is Business Owners Policy Insurance?
A Business Owners Policy (BOP) is a bundled insurance package that combines the essential coverages most small and midsize businesses need. It typically includes General Liability Insurance, Commercial Property Insurance, and Business Interruption Insurance—all in one cost-effective policy.
A BOP protects your business from common risks such as customer injuries, property damage, theft, fire, storms, and unexpected events that may disrupt operations. Whether you run a retail store, office, restaurant, or service-based business, a BOP provides a strong foundation of protection in a single, convenient plan.
Why Do You Need It?
Running a business comes with daily risks—accidents, property damage, and unplanned interruptions can happen at any time. A Business Owners Policy helps safeguard your company’s assets, revenue, and long-term stability by offering broad coverage at a bundled, more affordable rate than purchasing each policy individually. Without a BOP, even minor incidents could lead to costly repairs, legal fees, lost income, or extended downtime.
With this policy in place, you can focus on growing your business knowing your operations, property, and liability exposures are well-protected.
Types of Business Owners Policy Insurance
General Liability Insurance – Covers third-party injuries, property damage, and liability claims that occur during business operations.
Commercial Property Insurance – Protects your building, equipment, inventory, furniture, and other business property from fire, theft, vandalism, and more.
Business Interruption Insurance – Helps replace lost income and covers expenses if your operations must temporarily shut down due to a covered event.
Equipment Breakdown Coverage – Covers repairs or replacement for essential equipment that unexpectedly fails.
Cyber Liability (Optional Add-On) – Protects against data breaches, cyberattacks, and compromised customer information.
Employment Practices Liability (Optional) – Covers claims involving harassment, discrimination, or wrongful termination.
Professional Liability (Optional) – Provides protection for service-based businesses against errors and omissions claims.
Outdoor Sign Coverage – Protects outdoor signs damaged by weather, vandalism, or accidents.
Hired & Non-Owned Auto Coverage (Optional) – Covers liability when employees use personal or rented vehicles for business purposes.
Additional Insured Options – Allows you to extend coverage to landlords, clients, or other partners as required.