Business Insurance

Get the protection you need with a Business Owners Policy (BOP)

Business owners insurance, also known as a BOP, is a policy that combines both property and liability coverage into one package. It’s popular among a variety of small and medium-sized businesses such as restaurants, wholesalers, retail stores and contractors.

Coverages in a BOP

A business owners policy contains two primary coverages:

Liability

Liability coverages available on a BOP are the same as those on a general liability policy. This includes protection against liabilities like customer injury and property damage, advertising injury, and product related claims.

Property

Provides coverage for commercial buildings and the movable property owned by and used for the business – referred to as business personal property. It can also pay for other things like debris removal, loss of income and pollution cleanup as part of a covered loss.

Other Small Business Insurance Coverages

Commercial Auto

Typically needed if you have a vehicle used for deliveries or other business use, commercial auto insurance protects your business from mishaps on the road. It’s an important part of a small business insurance policy as personal auto policies often don’t cover vehicles when in use by a business.

Workers Compensation

If your business has employees, you likely need this coverage to protect them from injuries on the job. It’s required by law in most states.

Get a free Business Owners Policy quote today

Our team of in-house specialists are experts at helping small business owners, like you, find BOP insurance coverage. They’ll help you get a quote with the best coverage for your specific business and budget.