A Business Owners Policy, or better known as a BOP, is designed to meet the insurance needs that are common to many small and midsize businesses. This provides a commercial insurance option that simplifies policy choices by bundling the most-needed coverages into one complete policy, and you get the benefit of one premium bill.
A BOP typically includes commercial property insurance, commercial general liability insurance and some level of business interruption insurance. These, along with workers compensation insurance, are the fundamental coverages every business needs. Of course, there are other property and liability policies that can enhance your protection, but a business owners policy contains the basics, protecting companies from common causes of loss, such as fire, windstorm, vandalism and theft. If you want to insure for flood, for example, we can find you coverage outside your BOP.
Our top-rated insurers offer business owner policies across a broad spectrum of industries, and many offer expanded liability options, depending on the business or professional niche. Some also offer equipment breakdown insurance, crime insurance, hired and non-owned auto insurance, coverage for outdoor signs, money and securities, and other inland marine insurance.