Business Owner’s Policy (BOP)

An all‑in‑one package combining General Liability and Commercial Property—often at a lower cost than buying standalone policies.

Why choose a BOP?

BOPs are designed for small and mid‑sized businesses that need solid foundational protection: General Liability + Commercial Property. They can include extensions like Business Interruption and industry‑specific endorsements.

What a BOP typically includes

General Liability (bodily injury, property damage, advertising injury)
Commercial Property (buildings, equipment, inventory)
Business Interruption (subject to limits/conditions)
Industry‑specific endorsements

Common limits and exclusions

Commercial auto not included → separate auto policy
Workplace injuries → separate Workers’ Comp policy
Professional errors → separate E&O policy
Certain CAT perils (flood/earthquake) often excluded

Best fit

Retail, restaurants, local services
Light construction and maintenance firms
Growing startups and SMBs with contract requirements
Companies seeking simplicity and cost efficiency

Cost factors

GL exposure and insured property values
Location and physical protections
Loss history and deductibles
Additional endorsements added to the BOP

Budget tip

If you need both GL and Property, a BOP is often cheaper than buying separately. Always compare limits and deductibles.

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