Skip to main content

Coverage Guide

Business Owner's Policy (BOP)

General liability + property insurance, bundled and discounted.

A Business Owner's Policy (BOP) bundles general liability insurance and commercial property insurance into a single policy — typically at a lower premium than buying each separately. It's designed for small to mid-sized businesses that need foundational coverage without the complexity of assembling multiple standalone policies.

What It Covers.

General Liability Protection

The Risk

A customer is injured at your business, or you accidentally damage a client's property during a job.

The Solution

The liability portion of your BOP covers bodily injury, property damage, and personal/advertising injury claims — the same protection as a standalone general liability policy.

Property Protection

The Risk

Fire, theft, or a storm damages your building, equipment, or inventory.

The Solution

The property portion covers repair or replacement of your physical assets, plus business income lost during the closure.

Additional Coverages

The Risk

A data breach exposes customer information, or a vehicle not owned by your business is involved in an accident during a work errand.

The Solution

Many BOPs include or offer endorsements for data breach response, hired/non-owned auto liability, and other common exposures.

Who Needs This?

Small to mid-sized businesses that want comprehensive foundational coverage in a single, cost-effective policy. Ideal if you have a physical location and interact with customers.

  • Small retail shops and boutiques
  • Professional offices (accounting, law, consulting)
  • Restaurants and cafes
  • Service businesses with a storefront

What Happens Without It?

Scenario

You buy general liability but skip property coverage to save money. A kitchen fire destroys your restaurant's interior and equipment.

Consequence

Your liability policy won't cover property damage to your own assets. A BOP would have covered both — often for less than the standalone liability policy alone.

Real-World Example.

Situation

A small accounting firm's office is burglarized. Laptops, monitors, and client files are stolen. A week later, a client trips in the lobby and sprains their ankle.

Outcome With Coverage

The firm's BOP covers the stolen equipment under property coverage and the client's medical bills under general liability — all from one policy with one deductible.

Ready for Business Owner's Policy?

Get a personalized quote in 30 seconds. Text risk | x directly — no forms, no waiting, no obligation.