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What Is Business Owner’s Policy (BOP)?
A Business Owner’s Policy bundles core protections many small and mid-sized businesses need, typically combining general liability with commercial property coverage. It’s designed to cover common accidents, damage, and disruptions in one streamlined policy.
What Does Business Owner’s Policy (BOP) Cover?
A BOP commonly includes general liability and property coverage, and can add business income protection. It helps with third-party injury or damage claims, covered building or contents losses, and certain downtime costs after a covered event.
Customer injury at your location
Fire damages equipment and inventory
Forced closure after a covered loss
Key Features of Business Owner’s Policy (BOP)
Bundled coverage built for everyday risk
Instead of piecing together separate policies, a BOP packages the protections many businesses rely on most, which can simplify renewals, certificates, and claims.
Options to tailor the policy to your operations
Many BOPs can be adjusted with add-ons based on what you do and where you do it, such as higher liability limits, equipment coverage, or expanded protection for certain property exposures.
Practical protection for downtime
When a covered property loss interrupts operations, business income coverage, when included, can help you keep paying key bills and weather the gap until you are back up and running.
Business Owner’s Policy (BOP) Made Simple
Everything you need to know about this coverage, from basic definitions to real-world application scenarios.
