Affordable insurance starts with an easy quote
A Business Owner’s Policy (BOP) bundles essential coverages—General Liability, Commercial Property, and Business Interruption—into a single, cost-effective package designed for small to medium-sized businesses. It’s often the most efficient way to get comprehensive protection without purchasing multiple separate policies.
Many small business owners either purchase coverage piecemeal (overpaying) or skip essential protection (underinsured). The reality? A BOP typically costs 20-30% less than buying General Liability and Commercial Property separately—and it includes Business Interruption coverage that many businesses overlook entirely. According to FEMA, nearly 40% of small businesses never reopen after a disaster. A BOP ensures you have the core protection every business needs in a streamlined, affordable package. Explore our complete business insurance solutions or specifically our small business insurance for tailored coverage options.
A BOP is generally designed for businesses with fewer than 100 employees and under $5 million in annual revenue. We match your specific business type with the carrier offering the best BOP terms for your industry. Select your business type below to instantly start a custom BOP quote.
Retail businesses need property protection for inventory and liability coverage for customer foot traffic.
Common Examples
Clothing stores, Gift shops, Hardware stores, Pet stores
Office-based businesses need protection for equipment and liability coverage for client interactions.
Common Examples
CPA firms, IT consultants, Real estate offices, Design agencies
Contractors working on client sites need portable equipment protection and off-premises liability.
Common Examples
Cleaning services, Landscapers, Small contractors, Mobile repair
A Business Owner’s Policy bundles essential coverages that every business needs into one convenient, cost-effective package.
Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure enhanced BOP coverage with the critical add-ons in the right column.
| Feature | Basic BOP | The “Dream” Protection Plan |
|---|---|---|
| Liability Limits | ✖ Minimum ($300k) | ✔ High ($1M/$2M) |
| Business Interruption | ✖ Limited (30 days) | ✔ Extended (12+ months) |
| Cyber Liability | ✖ Not Included | ✔ Data Breach Coverage |
| Employment Practices (EPLI) | ✖ Not Covered | ✔ Available as Add-On |
“How much does a BOP cost?” Premiums depend on your industry, location, property values, and coverage limits.
Captive agents have one carrier and one BOP option. “Independent Means Multiple Choices.” We shop competing carriers to find the best combination of coverage, price, and enhancements for your business.
Experience the confidence shared by the small businesses we protect, and let us turn these options into a clear, comprehensive protection plan for your business.
We’re here to help you explore your coverage options tailored to your needs.
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Have specific questions? Our independent agents are ready to assist you directly.
Our team has the skills, experience, and readiness to help our customers.
We value getting to know our customers and helping them make their insurance dreams a reality.
We love to learn more to help our customers make the insurance process easier.
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