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Business Owners Policy Business

A business owner’s policy (BOP) is a combination policy that combines the coverages offered in both business liability coverage and commercial property insurance.

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  • Small business owners


  • Property insurance, for your building or office space
  • Stuff your business owns(e.g., office furniture, equipment, inventory)
  • Liability insurance, in case you, your employees or your products cause harm
  • Business interruption insurance

Cost Factors

  • Type of entity
  • Limits of coverages including deductible
  • Type of construction of building business is housed in
  • Proximity to fire department / fire protection
  • Other factors

Claim Examples

  • A visitor slips and falls on your front sidewalk or parking lot
  • You experience a burglary and there is damage to your doors and missing equipment
  • You are accused of false advertising
  • You have a small fire in your garage but it does smoke damage to your building
  • Your business is shut down while repairs are being made after a fire

A BOP (Business Owners Policy) is a type of package policy for smaller businesses.  It combines property and liability insurance into one business insurance policy.  While coverages vary among insurance providers, businesses can often opt-in for additional coverages such as crime, spoilage of merchandise, forgery, fidelity, and more.  A qualified agent can tailor a policy to fit your unique needs.

What should I look for in a Business Owners Policy?