Business Owners Policy (BOP) Quotes for Small Businesses
A BOP bundles general liability, business property and business income into one package. See if your shop, office or service business qualifies and compare options.
Get a BOP quote
Free BOP quote request. No obligation to buy.
- General liability plus your building or contents
- Business income after a covered property loss
- Retail, office, service and many contractors
Why request your BOP quote here
Bundled coverage
Combining liability and property in one package is often more economical than buying them separately, and you manage one renewal date.
Business income built in
If a covered fire or storm closes your doors, business income coverage helps replace lost profit and pay ongoing expenses during repairs.
Lease requirements met
Landlords usually require liability limits and to be named as additional insured. A BOP can include the endorsements your lease calls for.
Easy to add on
Common options include equipment breakdown, data breach, employee dishonesty and hired and non-owned auto.
How it works
Share business basics
Industry, revenue, and whether you lease, own or work from home.
Eligibility check
A licensed agent confirms your business fits BOP guidelines or suggests a standalone package if it doesn't.
Compare and bind
Review limits, deductibles and add-ons, then bind and send certificates to your landlord or clients.
What a business owners policy includes
A business owners policy, or BOP, is a package designed for small and mid-sized businesses with relatively predictable risks. It typically combines three coverages: commercial general liability for third-party bodily injury, property damage and advertising injury; commercial property for your building if you own it and for your equipment, inventory and furniture; and business income for lost earnings after a covered property loss.
Insurers set eligibility rules for BOPs based on industry, size, revenue and square footage. Offices, retail shops, small restaurants, and many light contractors qualify. Businesses with heavier risks, such as manufacturing with significant hazards or large contractors, may need a customized commercial package policy instead.
A BOP does not include everything. Workers compensation, commercial auto, and professional liability are separate policies, and flood and earthquake damage are generally excluded. Knowing what sits outside the package helps you decide what else to buy.
Coverages usually purchased alongside a BOP
- Workers compensation for employees
- Commercial auto for business-owned vehicles
- Professional liability (errors and omissions)
- Commercial umbrella for higher liability limits
BOP FAQ
Who qualifies for a business owners policy?
Small and mid-sized businesses in lower-risk industries, such as offices, retail, many restaurants and some contractors. Each insurer sets its own limits on revenue, size and class of business.
What is the difference between a BOP and general liability?
General liability covers claims from others. A BOP includes general liability and adds property coverage for your building or contents and business income protection.
Does a BOP cover my employees' injuries?
No. Employee injuries are covered by workers compensation, which is a separate policy and is required in most states once you have employees.
Do I need a BOP if I work from home?
Homeowners policies typically limit coverage for business property and exclude business liability. Home-based businesses often benefit from a BOP or an in-home business endorsement.
Can I add my landlord as an additional insured?
Yes. Most BOPs offer additional insured endorsements for landlords, and many leases require one.
Is requesting a BOP quote free?
Yes. There is no cost or obligation. Quotes are provided by licensed agents and partners, and insurers set the final premium and terms.
See if your business qualifies for a BOP
Fill out the short form and a licensed agent will compare business owners policy options for you.
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