Property & Casualty — Commercial
Business Owners Policy (BOP)
Everything a small business needs, bundled into one efficient policy.
A Business Owners Policy combines general liability and commercial property insurance into a single, cost-effective package designed specifically for small and mid-sized businesses. It simplifies your insurance program, reduces your premium, and ensures your core exposures are covered under one roof.
What's Covered
- General liability — bodily injury, property damage, and advertising injury
- Commercial property — building, contents, and business personal property
- Business interruption — lost income while recovering from a covered loss
- Optional cyber liability endorsement
- Optional professional liability endorsement
- Equipment breakdown and utility interruption add-ons available
Why It Matters
Buying general liability and commercial property separately typically costs more than a BOP that includes both. For qualifying businesses, a BOP is the most efficient way to achieve solid baseline coverage — and it can be customized with endorsements as your business grows.
Common Questions
Does every business qualify for a BOP?
Most small and mid-sized businesses qualify, but eligibility depends on your industry, revenue, and square footage. Higher-risk industries (restaurants, contractors, manufacturers) may require separate commercial policies. We'll determine the best fit for you.
Can I add coverage to a BOP?
Yes — BOPs are highly customizable. Common add-ons include cyber liability, professional liability (E&O), hired and non-owned auto, and employment practices liability. We design the policy around your actual exposures.
What's the difference between a BOP and a commercial package policy?
A BOP is a standardized bundled product for smaller businesses. A commercial package policy (CPP) is more customizable and typically used by larger businesses with more complex needs.
Ready to get covered?
Talk to one of our advisors about the right policy for your situation. No pressure, no jargon — just honest guidance.