Commercial Insurance
Business Owners Policy (BOP)
Bundles your general liability and commercial property coverage into one convenient policy built for small and mid-sized businesses.
What it is
A Business Owners Policy, or BOP, is the workhorse policy for small and mid-sized businesses. It bundles general liability and commercial property into one package, usually with business income coverage built in, and it is often priced better than buying each piece on its own. For a lot of WNY shops, offices, and restaurants, a BOP is the right place to start.
What Business Owners Policy (BOP) covers
- General liability for third-party injury and property damage claims
- Property coverage for your building, equipment, inventory, and furnishings
- Business income to help replace lost revenue if a covered event shuts you down
- Common add-ons like equipment breakdown, data, or spoilage coverage
- One package that is often more economical than buying each piece separately
Industries we write business owners policy (bop) for
FAQ
Business Owners Policy (BOP): common questions
What is the difference between a BOP and general liability?
General liability covers third-party injury and property damage. A BOP wraps that together with coverage for your own building, equipment, and inventory, plus lost income if you have to close after a covered loss.
Who qualifies for a BOP?
Typically smaller, lower-hazard businesses like shops, offices, and many restaurants. Larger or higher-risk operations may need separate policies, which we can also place.
Can I add coverage to a BOP?
Yes. Common add-ons include equipment breakdown, data and cyber, spoilage, and hired and non-owned auto. We tailor it to how you actually operate.
Independent advantage
We shop it. You decide.
We place business owners policy (bop) across many top markets, including a new appointment with The Hartford, so you get the right fit instead of one company's price.