Learn About Business Owner’s Policy

  • A BOP combines general liability insurance and commercial property insurance into one cost-effective policy. It’s designed for small to mid-sized businesses and provides protection for your physical assets, liability risks, and even lost income after a covered event.

  • By bundling essential coverages, you save money and simplify your insurance management. You’ll have peace of mind knowing that your building, equipment, inventory, and legal liability are protected in one streamlined policy.

  • BOPs are ideal for retail stores, offices, service businesses, and small manufacturers. If your business owns property, deals directly with customers, or could face a lawsuit, a BOP may be the right fit.

When Do You Need Business Owner’s Insurance?

  • You own or lease business property

    A BOP protects your building, equipment, and inventory from fire, theft, and more.

  • You want to shield against lawsuits and liability/injury claims

    General liability coverage handles legal fees and settlements from covered claims from injury on your property or from your business operations or products or services.

  • You rely on steady income

    Business interruption coverage replaces lost income after a covered event halts operations.

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Requirements for Business Owner’s Policy Insurance

  • Business Details

    Name, address, and industry type.

  • Property Information

    Building details and contents value.

  • Revenue

    Annual gross sales figures.

  • Employee Count

    Full-time and part-time staff numbers.

  • Current Coverage

    Existing policy details (if any).

  • Claims History

    Recent losses or incidents in the past 5 years.

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