Business Owners Policy (BOP) Insurance for Small Businesses
One package that combines liability, property and business income coverage for qualifying small businesses — backed by an independent agency that shops 30+ carriers on your behalf.
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Businesses That Often Qualify for a BOP
Eligibility depends on the carrier and the operation. If you are on this list, a BOP is usually worth quoting.
Retail & Shops
- Boutiques & specialty retail
- Gift, hardware & convenience stores
- Showrooms
Small Offices
- Consultants & agencies
- Accountants & bookkeepers
- Real estate offices
Restaurants & Food
- Cafes & coffee shops
- Bakeries
- Small restaurants
Personal Services
- Salons & barbershops
- Fitness & wellness studios
- Pet grooming
Service Businesses
- Cleaning & janitorial
- Repair & installation services
- Light-duty service trades
Small Property Owners
- Small mixed-use buildings
- Office & retail buildings you lease out
- Lessor's risk only
Three Core Coverages in One Policy
Most BOPs bundle the essentials, with add-ons for what your business needs.
General Liability
Injury & property damage claims from customers and visitors
Commercial Property
Your building (if owned), equipment, inventory & contents
Business Income
Lost income & operating costs after a covered loss
Optional Add-Ons
Cyber, EPLI, equipment breakdown & more
Add-Ons Worth Asking About
Hired & Non-Owned AutoFor employees running errands in personal or rented vehicles
Equipment BreakdownMechanical & electrical failure of business equipment
Cyber LiabilityData breach & ransomware exposure
Employment Practices LiabilityClaims from employees & applicants
Professional LiabilityFor advice- or service-based work, where available
Umbrella / ExcessExtra limits over liability and auto
Higher-Hazard or Larger Operations? We Can Still Help.
A BOP is built for smaller, lower-hazard businesses. Contractors, fleets, manufacturers and larger buildings are usually underwritten on separate or package policies instead. That is where being an independent agency helps: if a BOP doesn't fit, we move to the next structure and the next carrier in our lineup of 30+.
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Licensed to serve small businesses across the Midwest.
Business Owners Policy FAQ
What does a BOP cover?
A BOP typically combines general liability, commercial property and business income coverage in one policy. Specific terms and limits vary by carrier.
Does a BOP include workers' compensation or commercial auto?
No. Workers' comp and commercial auto are separate policies. We can place them alongside your BOP.
Is a BOP cheaper than buying coverages separately?
It is often more cost-effective than buying the same coverages individually, but not always. We compare packaged and separate options.
Which businesses don't qualify?
Eligibility varies by carrier. Higher-hazard operations, larger buildings, fleets and some contractors are usually placed on other policy types.
Can I add cyber or employment practices coverage?
Often yes, as an add-on or a separate policy, depending on the carrier. We review which options are available for your class.
Let's Get Your Business Covered
Tell us about your operations and we'll compare BOP and package options across our full carrier lineup.
Related coverage: General Liability · Inland Marine & Equipment · Workers Compensation · Commercial Auto