Businessowners Policy (BOP)

Property insurance. Liability insurance. Business income insurance.

A businessowners policy, also known as BOP insurance, combines various insurance coverage with additional protection into one convenient package. If you’re not sure what coverage is right for your business, or have not considered a BOP, learn how a BOP insurance policy can protect your business.

Still not sure if you need a businessowners policy (BOP)?

Ask yourself these simple questions:

  • Is your business located outside of your home?
  • Do you have fewer than 100 employees and less than $5 million in sales?
  • Do you have property or equipment you need to protect?
  • Do you want to protect the investments you've made in your business?

What does a BOP cover?

Business Property

Insure against physical damage to your business property.

General Liability

Provides a medical limit if a customer or patron were injured due to your negligence. Also provides defense if you are named in a lawsuit.

Business Income

Can cover your loss of income due to a decrease or temporary shutdown of normal operations caused by physical damage to your property.

Equipment Breakdown

Covers damages caused by mechanical breakdown.

Additional coverage options to consider

Accounts receivable

Protect your business against losses caused by the inability to collect payment from a customer.

Business auto

Protect your business vehicles and your employees when they drive on company time.

Crime insurance

Covers loss of money, securities or assets due to theft, fraud or forgery.

Cyber liability

Get coverage for computer attacks and damage to electronic data and computer systems. Also offset the effects of your database being hacked or getting a virus.

Employee practices liability

Covers your business if an employee claims their legal rights have been violated.

Errors & omissions insurance

Covers your business if a client claims your errors resulted in their financial loss.

Inland marine insurance

Covers products, materials and equipment while they are transported or being used away from your business location.

Commercial Umbrella

Provides an affordable extra layer of liability to cover costs that exceed your other liability limits.

Workers' compensation

Provides medical benefits and wage replacement to employees that are injured on the job.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

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Meet Our Business Insurance Agents