Property and liability, packaged together.
A Business Owners Policy (BOP) combines general liability and commercial property into one package for eligible businesses.
A Business Owners Policy bundles two core coverages — general liability and commercial property — into a single policy designed for eligible small and mid-sized businesses. We help you understand whether a BOP fits your business and how it compares to separate policies.
General Liability Included
A BOP typically includes general liability coverage for third-party bodily injury and property damage.
Commercial Property Included
A BOP typically includes coverage for buildings and business personal property.
Business Income
May help replace lost income after a covered loss, subject to policy terms.
Packaged Convenience
Combining property and liability in one policy can simplify coverage management.
Cost Advantages
Packaging coverage may be more cost-effective than purchasing separate policies, subject to eligibility.
Eligibility Considerations
BOPs are generally designed for small to mid-sized, lower-risk businesses.
Optional Coverages
May allow adding coverages such as equipment breakdown or data breach, subject to availability.
One Policy, One Renewal
A single policy and renewal date can simplify administration.
Designed for eligible small businesses.
A BOP is built for businesses that want the convenience of packaged property and liability coverage. Because eligibility depends on industry, size, and risk, not every business qualifies.
When a BOP is available, it can simplify coverage and renewal. When it isn't, we help review separate property and liability options that may fit.
Small to Mid-Sized Businesses
BOPs are typically designed for smaller businesses with moderate property and liability exposure.
Retail Shops & Offices
Retailers and office-based businesses often fit the BOP eligibility profile.
Service Businesses
Service operations with a fixed location and lower risk may qualify.
Restaurants (When Eligible)
Some restaurants may qualify depending on size, operations, and carrier guidelines.
Understanding the BOP.
What's the difference between a BOP and separate policies?
A BOP bundles general liability and commercial property into one package. Separate policies cover each individually, which can offer more flexibility but may cost more.
Who is a BOP designed for?
BOPs are generally designed for small to mid-sized, lower-risk businesses. Eligibility depends on the business size, industry, and carrier guidelines.
Can I customize a BOP?
Optional coverages — such as equipment breakdown, data breach, or hired and non-owned auto — may be available to add, subject to the policy and carrier.
Is a BOP always cheaper than separate policies?
Not always, but packaging property and liability together can offer value and simplify administration. We help compare both approaches.
See if a BOP fits.
Tell us about your business and we'll help you determine whether a Business Owners Policy is available and right for you.