Business

Business Owner's Policy

Liability and property coverage bundled into one discounted policy.

General Liability Aggregate Limit

Up to $2M

Property Coverage

Up to $500,000

Deductible

$0-$5,000

Available

50 States

About This Program

A Business Owner's Policy (BOP) bundles the core coverages most small businesses need into a single package. It combines general liability, commercial property, and business income protection, so a covered fire, theft, or lawsuit is less likely to derail your operation. It's built for retailers, offices, and service businesses that want broad protection without juggling separate policies or paying for each one on its own.

Because the coverages are packaged together, a BOP usually costs less than buying general liability and property insurance separately. Many policies can be tailored with add-ons like equipment breakdown, data breach, or professional liability, so the package grows with your business.

Why It Matters

Property and Equipment

If a fire, theft, or storm damages your space, inventory, or gear, this coverage helps pay to repair or replace what you lost. For a small business, one bad day shouldn't mean starting over.

Income After a Shutdown

If a covered event forces you to close temporarily, business income coverage helps replace lost revenue and keep up with bills like rent and payroll while you recover. Staying closed is expensive; this helps you reopen.

Lawsuits and Injuries

If someone is hurt or their property is damaged because of your business, the liability side is designed to help cover their costs and your legal defense. A single claim can run far more than a small operation can absorb.

One Policy, Lower Cost

A BOP bundles liability, property, and income protection together, which usually costs less than buying each separately. Broad protection in one premium, with fewer gaps than juggling separate policies.

Key Features

General liability for third-party injury and property damage

Commercial property coverage for your space and contents

Business income and extra expense protection

Loss of income after a covered shutdown

Equipment breakdown coverage available

Optional cyber and data breach endorsements

Personal and advertising injury coverage

Products and completed operations liability

Plan Highlights

Per Occurrence Limit

Up to 1M

General Liability Aggregate Limit

Up to $2M

Business Income

Actual Loss Sustained (ALS)

Damage to Premises Rented to You

Up to $50,000

Frequently Asked Questions

What is a Business Owner's Policy (BOP)?

A BOP bundles three core coverages into one policy: general liability (for third-party injury and property damage claims), commercial property (for your space, equipment, and inventory), and business income (to help replace lost revenue if a covered event shuts you down). It's designed to give small businesses broad protection in a single package.

Who needs a BOP?

A BOP is a good fit for retailers, offices, and service businesses that have a physical location, equipment, or inventory to protect and want liability and property coverage in one place. If you rent or own space and keep tools, stock, or gear on site, a BOP usually makes more sense than buying each coverage separately.

How is a BOP different from buying General Liability on its own?

General Liability covers third-party injury and property damage only. A BOP adds commercial property and business income protection on top of that liability, so your space, equipment, and lost revenue are covered too — and bundling them usually costs less than buying each policy separately.

Does a BOP include workers' compensation or commercial auto?

No. A BOP covers liability, property, and business income, but not workers' compensation, commercial auto, or professional liability. Those are separate policies — if you have employees, business vehicles, or give professional advice, you'd add those alongside your BOP.

Can I add more coverage to my BOP?

Often, yes. Many BOPs can be tailored with add-ons like equipment breakdown, cyber and data breach coverage, or professional liability, so the package can grow with your business. Available add-ons depend on your business type and the carrier.

Does a BOP cost less than separate policies?

Usually. Because the coverages are packaged together, a BOP typically costs less than buying general liability and commercial property insurance on their own. Your exact price depends on your business, location, and the coverages you choose.

Disclaimer: This product is offered subject to availability, carrier underwriting guidelines, eligibility, state of residence, and applicable regulatory approvals. Coverage, limits, premiums, and features may vary by carrier and may change without notice. Quotes shown are estimates and not a guarantee of coverage or final pricing. Final terms are determined by the issuing insurance carrier and outlined in the policy documents. Olli is a licensed insurance producer and not the underwriter of these products.