Commercial insurance
Business Owner's Package (BOP)
A Business Owner's Package bundles the three things most small businesses need — liability, property, and lost-income coverage — into one policy that usually costs less than buying them separately. It's the practical starting point for a shop, office, or service business that wants real coverage without juggling contracts.
What's covered
Coverage Types
General Liability Insurance
Protects against bodily injury, property damage, or personal injury claims occurring on your premises or during operations.
Property Insurance
Covers your buildings, inventory, and equipment against damage from fire, theft, or vandalism.
Business Interruption Insurance
Replaces lost income and covers operating expenses during forced closures from covered events.
Professional Liability (Optional)
Addresses negligence or service delivery mistakes in your professional services.
Cyber Liability (Optional)
Protects against data breaches and cyberattacks targeting your business.
Who benefits
Who Needs Business Owner's Package (BOP)?
Business Owner's Package (BOP) is designed for a variety of individuals and organizations. Find out if this coverage is right for you.
Get a Personalized QuoteRetailers
Clothing shops, furniture stores, and other retail establishments.
Restaurants & Cafes
Food service businesses with physical locations.
Service Providers
Plumbers, electricians, marketing consultants, and similar professionals.
Contractors & Consultants
Independent professionals who need bundled protection.
Pricing factors
What Affects Your Premium
Type of business and industry
Size of operation and number of employees
Value of business assets and property
Coverage levels needed
FAQs
Frequently Asked Questions
What does a BOP include?
How much does a BOP cost?
Which businesses benefit most from a BOP?
How do I know if a BOP is right for my business?
Related insights
BOP Articles
We compare BOP rates from leading carriers
Get Your BOP Quote Today
Our licensed agents will help you find the right bop coverage at a competitive rate. No obligation, no hassle.