Business Owner’s Insurance Policy (BOP)
Comprehensive protection for your business, all in one policy.
What is a Business Owner’s Policy (BOP)?
A Business Owner’s Policy (BOP) bundles general liability and commercial property insurance into one streamlined, cost-effective policy. It’s designed for small to mid-sized businesses that want broad protection from common risks—like customer injuries, property damage, or unexpected interruptions.
Whether you run a retail shop, restaurant, office, or online business, a BOP helps protect both your physical space and your finances—so you can focus on growing your business with confidence.
What’s included in a BOP?
A BOP includes two foundational types of coverage that work together to protect your business:
General liability coverage
Helps protect your business from claims involving:
Bodily injury or property damage — if someone is injured at your business or their property is damaged
Personal and advertising injury — such as slander or copyright infringement in your marketing
Legal defense costs — including attorney fees and settlements related to covered claimsCommercial property coverage
Protects your business assets, including:
Your building or leased space
Furniture, inventory, and equipment
Business interruption — helps replace lost income and cover relocation or rebuilding costs after a covered loss
What’s not covered?
A BOP doesn’t cover every type of risk. It typically excludes:
Professional liability (for advice-based businesses)
Workers’ compensation (required separately if you have employees)
Commercial auto insurance (for business-owned vehicles)
Flood and earthquake damage (available as separate policies)
At Wang Insurance, we help you customize your BOP by identifying which additional coverages make sense for your business—so you’re protected where it matters most.
Why combine coverage into one policy?
Managing multiple policies can be confusing and expensive. A BOP simplifies things by combining essential protections into one streamlined policy—often at a lower cost than purchasing each coverage separately.
Plus, you’ll have a single renewal date, a unified carrier, and peace of mind knowing your coverage is coordinated.
Who should get a BOP?
A Business Owner’s Policy is a great fit if your business:
Has a physical location, including a home office or leased space
Owns equipment, tools, or inventory
Works directly with customers, clients, or vendors
Industries that often benefit from a BOP include:
Retail and e-commerce
Restaurants and cafes
Professional services (consultants, designers, accountants)
Trades and contractors
Wellness and personal care studios