Business Owners Policy (BOP)
A convenient package that can combine property and liability coverage for eligible small and midsize businesses.
Commercial Insurance
Coverage That Matches the Exposure
Many businesses need both property and liability protection. A Business Owners Policy, commonly called a BOP, packages core coverages together and can provide a practical starting point for eligible operations.
What This Coverage Can Help Address
- Commercial property coverage
- General liability coverage
- Business income options
- Common packaged business protections
- Optional endorsements based on the operation
Who Should Consider It
Is This Relevant to Your Business?
Many offices, retailers, service businesses, and other small to midsize operations may qualify for a BOP depending on their size, industry, property, and risk profile.
Common Questions
Business Owners Policy (BOP) FAQs
What is included in a Business Owners Policy?
A BOP generally combines commercial property and general liability coverage, with additional options or endorsements available depending on the insurer and business.
Does a BOP include workers’ compensation or commercial auto?
Those coverages are generally written separately, even when a business also has a BOP.
Is every business eligible for a BOP?
No. Eligibility depends on factors such as industry, size, revenue, property, and loss exposure. Businesses that do not qualify can still build a commercial insurance program using separate policies.