Business Owner’s
Insurance Policy (BOP)

A Business Owner’s Policy (BOP) bundles two essential types of coverage—general liability and commercial property insurance—into one convenient and cost-effective package. It’s designed for small to mid-sized businesses that want broad protection against the most common risks: customer injuries, property damage, theft, and even temporary shutdowns due to a covered loss.

Whether you own a retail shop, restaurant, professional service office, or an online business with inventory or equipment, a BOP helps safeguard both your space and your reputation—so you can focus on running your business with confidence.

What is a business owner’s policy (BOP)?

A BOP combines property insurance (to protect your physical assets) and liability insurance (to protect against claims from third parties) into a single policy. It’s ideal for businesses that need foundational coverage in a simple, bundled format.

What does a BOP cover?

General Liability Coverage

  • Bodily injury or property damage
    If someone is injured at your business or you damage a customer’s property, your BOP can help cover the costs.

  • Legal defense costs
    Helps cover attorney fees and court expenses if your business is sued over a covered incident.

Commercial Property Coverage

  • Business property
    Covers physical items your business owns—like furniture, inventory, computers, or equipment—after events like fire, vandalism, or water damage.

  • Business interruption
    If you have to temporarily close due to a covered loss, BOP can help replace lost income and assist with relocation or rebuilding costs.

Is a BOP right for your business?

You should consider a BOP if:

  • You have a physical location, even if it’s a home office or rented space.

  • You own valuable equipment, tools, or inventory.

  • You interact with customers, clients, or vendors in person.

Industries that often benefit from BOP coverage include:

  • Retail and e-commerce

  • Restaurants and cafes

  • Consultants and professional services

  • Trades and contractors

  • Insurance and real estate offices

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