Business Owners Policy
One policy for your shop, office, or restaurant.
A Business Owners Policy (BOP) bundles commercial property, general liability, and business income coverage into a single package — usually at a better price than buying each piece separately.
What a BOP typically covers
- Commercial property
Your building (if you own it), tenant improvements, equipment, furniture, and inventory.
- General liability
Customer injuries on your premises and damage your operations cause to others.
- Business income
Lost income and ongoing expenses if a covered loss shuts you down temporarily.
- Common add-ons
Equipment breakdown, spoilage, employee dishonesty, and cyber endorsements, depending on the carrier.
Built for businesses like
- Restaurants, cafés, and food service
- Retail shops and salons
- Offices and professional services
- Light service and repair businesses
BOP questions we hear a lot
What does a BOP cover?
A BOP combines commercial property, general liability, and business income coverage in one policy. Many carriers offer optional endorsements like equipment breakdown, spoilage, or cyber liability on top.
Does my business qualify for a BOP?
BOPs are designed for small and mid-size businesses in eligible classes — most shops, offices, and restaurants qualify. If your operation is larger or higher-risk, we can quote a commercial package policy instead.
Is a BOP cheaper than separate policies?
Often, yes. Because the coverages are packaged, carriers usually price a BOP below the cost of buying property and liability separately. We compare multiple markets so you see real options.
Get a BOP quote
Tell us about your business and we will shop it to carriers that want your class — usually with options back within a business day.