Running a small business involves juggling many responsibilities. A Business Owners Policy (BOP) simplifies your insurance by bundling essential coverages into one convenient and cost-effective package. With a BOP, you get protection from property damage, liability claims, and income loss—all under one policy.
Optional add-ons may include cyber liability, equipment breakdown, or professional liability coverage.
A BOP combines three main types of coverage:
General Liability Insurance
Covers lawsuits from bodily injury, property damage, or advertising mistakes.
Commercial Property Insurance
Protects your physical space, equipment, and inventory against fire, theft, or disasters.
Business Interruption Insurance
Replaces lost income and operating expenses when your business can’t operate due to a covered event.
Property Coverage
General Liability
Business Interruption
Equipment Breakdown
Cyber Liability (optional)
Property Coverage
Building damage, stolen or damaged equipment, inventory loss
General Liability
Customer injuries, property damage, legal defense
Business Interruption
Lost revenue and expenses during unexpected closures
Equipment Breakdown
Repair/replacement of HVAC, computers, and essential systems
Cyber Liability (optional)
Data breaches, malware attacks, and privacy-related losses
We combine smart technology with real human support. Enjoy free, dedicated access to a knowledgeable advisor who’s ready to answer your questions, offer guidance, and help you navigate every step of the insurance process.
You should consider a BOP if:
Industries that benefit from BOP coverage
BOP pricing depends on:
Business size & location
Industry & associated risks
Property value
Coverage limits
with many small businesses paying around $1,000 annually.
No, but it’s often required for leases and vendor contracts.
Yes—add cyber protection, employment practices liability, or other endorsements.
No. You’ll need a separate policy for employee injuries.
Most policies exclude viruses, but check your terms or ask an agent.
Custom-tailored plans for your business
Fast online quotes with no hidden fees
Licensed agents who understand your industry
AI Assistant Simon for 24/7 support
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