Business Owner's Policy (BOP)

A business owners policy bundles general liability and commercial property insurance at a discount. Ideal for small businesses. Quote from RISKX.

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 Business Owner's Policy (BOP) Covers

General Liability Protection

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

Additional Coverages

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

Who Needs This Coverage?

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.

What Happens Without It

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

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. The firm's BOP covers the stolen equipment under property coverage and the client's medical bills under general liability — all from one streamlined policy instead of purchasing separate policies.

RISKX — Commercial Insurance Agency | Licensed in All 50 States | (800) 400-8398 | [email protected]