Commercial coverage, simplified
Business Owners Policy Insurance
A Business Owners Policy can combine liability, property, and lost income protection into one streamlined package for many small and midsize businesses.
How a Business Owners Policy helps
A BOP combines several core protections into one policy and gives many small and midsize businesses a practical starting point for managing everyday risk.
- Bundle liability and property coverage in one policy
- Review limits, deductibles, and endorsements with a licensed agent
- Built for many retail, office, and service businesses
General liability protection
Helps cover third party bodily injury, property damage, and related legal costs that can come from normal business operations.
Property coverage
Helps protect your building, improvements, equipment, inventory, furniture, and other business property after covered losses.
Business income support
Can help replace lost income and ongoing expenses when a covered claim forces your business to pause or slow down.
Flexibility for your industry
Policies can often be tailored with endorsements and limits that better match retail, office, service, and professional exposures.
Understanding Business Owners Policy Coverage
A Business Owners Policy, often called a BOP, combines several core protections into one policy for many small and midsize businesses. Instead of piecing together separate coverages from scratch, business owners can start with a more streamlined foundation.
Property coverage can help protect your building, equipment, furniture, inventory, and other business belongings after covered losses such as fire or certain storms. Liability coverage can help with claims involving bodily injury, property damage, and legal defense costs tied to everyday operations.
Many BOPs can also include business income protection, which may help replace lost income and ongoing expenses if a covered event interrupts your operations. Because every business has different risks, it is important to review limits, deductibles, and endorsements with an agent before choosing coverage.
Common BOP coverages to review
- General liability coverage
- Commercial property coverage
- Business income and extra expense coverage
- Coverage for business personal property
- Optional endorsements for equipment breakdown, cyber, and more
Get guidance on the right BOP coverage
Tell us about your business, location, property, and operations. We’ll walk through your exposures and help you compare Business Owners Policy options that make sense for your budget.