Complete Business Protection in One Package
Get comprehensive business insurance coverage with our Business Owners Policy. Combining property and liability protection for small to medium businesses at an affordable price.
A Business Owners Policy combines essential business coverages into one comprehensive package, providing property protection, liability coverage, and business interruption insurance.
Protects your business building, equipment, inventory, and contents
Coverage for third-party claims against your business
Covers lost income when your business cannot operate due to covered damage
Protection against employee theft and other business crimes
Covers costs when business equipment breaks down
Protection against employment-related lawsuits
Business Owners Policies protect against many common perils that could damage your business property or cause liability claims.
Damage from fire, lightning strikes, and smoke
Wind damage and hail damage to your property
Protection against theft and malicious damage
Sudden water damage from plumbing or sprinkler systems
Damage from explosions and steam boiler accidents
Damage from vehicles or aircraft hitting your building
Business Owners Policies are designed for small to medium-sized businesses with standard risk profiles.
Shops, boutiques, and customer-facing retail businesses
Restaurants, cafes, catering, and food service businesses
Law firms, accounting practices, consulting offices
Hair salons, dry cleaners, repair shops, and service providers
Light manufacturing and assembly operations
Small contractors with permanent business locations
Wholesale distributors and warehouse operations
Small apartment buildings and rental properties
BOPs offer small businesses the convenience and cost savings of bundled coverage with comprehensive protection.
BOP combines multiple coverages in one policy, typically costing less than purchasing separately.
One policy, one renewal date, one agent - easier to manage than multiple separate policies.
Comprehensive protection for most common business risks in a single package.
Add optional coverages like cyber liability, employment practices, or equipment breakdown.
Get a customized Business Owners Policy quote tailored to your business needs and industry requirements.
BOP is designed for small to medium-sized businesses with relatively low risk profiles. This includes retail stores, restaurants, offices, service businesses, and small manufacturers. Businesses with high liability risks may need separate coverage.
BOP costs vary based on your business type, location, building value, inventory, and coverage limits. Most small businesses can expect to pay between $500-$3,000 annually, but we provide customized quotes based on your specific needs.
BOP combines property and liability coverage in one package at a lower cost than buying separately. It's designed for businesses with standard risks. Larger or higher-risk businesses may need separate commercial policies for more coverage options.
Yes! BOPs are highly customizable. You can add cyber liability, employment practices liability, equipment breakdown, crime coverage, and other endorsements based on your business needs.