Core coverage types
- Buildings you own and business personal property
- General liability for injuries and property damage to others
- Business income and extra expense after a covered loss
Common optional coverage types
- Equipment breakdown
- Data breach or cyber response
- Hired and non-owned auto liability
- Employee dishonesty
- Spoilage
- Professional liability for certain trades
Usually separate policies
Workers compensation, commercial auto for owned vehicles, most professional liability and flood are typically written outside a BOP. A complete program often pairs a BOP with these.
BOP details
Property coverage
Your building if you own it, and the equipment, inventory and improvements inside.
Learn moreGeneral liability
Customer injuries, damage to others' property and advertising injury.
Learn moreBusiness income
Lost income and extra expenses while you recover from a covered property loss.
Learn moreWho qualifies
Business types, sizes and premises that usually fit a BOP, and those that do not.
Learn moreFrequently asked questions
Is a BOP the same as general liability?
No. A BOP includes general liability plus property and business income.