Bundled property and liability coverage for many small businesses—often a cost-effective foundation.
A Business Owners Policy (BOP) bundles commercial property and general liability—and sometimes other coverages—into one policy. It is designed for small to mid-sized businesses that qualify and can be more affordable than buying property and liability separately.
Many retail, office, and service businesses that have modest property and liability exposures can benefit from a BOP. Eligibility and terms vary by carrier and business type.
Property: fire, theft, vandalism, and other covered perils for your building and/or business personal property. Liability: third-party bodily injury and property damage claims. Some BOPs include business income (loss of income) and optional coverages.
Restaurants, retail, professional services, and other qualifying small businesses often use a BOP as the base of their program.
What is included in a BOP? — Typically property and general liability; optional coverages may be available.
Do I need more than a BOP? — Many businesses also need workers comp, commercial auto, or professional liability depending on operations.
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