A business owners policy combines general liability and commercial property coverage into one package, often at a lower price than buying each separately.
It's a strong fit for small offices, retail shops, restaurants and service businesses.
What business owners policy insurance can cover
- General liability
- Business property
- Business income
- Optional cyber liability
- Optional employment practices liability
- Equipment breakdown
Good to know in Florida: Many Florida small businesses start with a BOP, then add workers' comp, commercial auto and a commercial umbrella as they grow.
Business Owners Policy (BOP) FAQs
Who qualifies for a BOP?
Small to mid-sized businesses with lower-risk operations generally qualify. We'll check with carriers for your business type.
Is a BOP cheaper than separate policies?
Often, yes. Packaging coverages usually costs less than buying them individually.
Does a BOP include workers' comp?
No. Workers' compensation is a separate policy.