Insurance
Business Owner Policy (BOP)

Business Owner Policy (BOP)

Essential business protection all in one package

A Business Owner Policy (BOP) combines the essential protections for small businesses into a single policy: coverage for the building, business property, and liability, as well as protection for your income should you need to close your doors temporarily. It’s a practical solution, often more cost-effective than purchasing individual insurance policies,and we explain everything in plain language.

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Coverages

Required coverages vary by state.

Protects your business furniture, computers, machinery, tools, and inventory. It also covers customers’ property in your care, such as clothing at a dry cleaner or equipment at a repair shop.
If you rent your business space and have invested in improvements such as flooring, counters, lighting, or partitions, this coverage protects that investment.
Protects you if a customer or another person is injured or their property is damaged because of your business. Covers eligible damages and legal defense costs.
If a covered event, such as a fire, forces you to close, this coverage replaces lost income and pays ongoing expenses like rent and payroll while your business recovers.
For business owners who own their premises. Covers the building, permanently installed equipment such as heating and air conditioning, and improvements against fire, storms, vandalism, and other covered events.
Covers repairs to machinery, ovens, freezers, compressors, and electrical systems that stop working due to mechanical or electrical failure.
Ideal for restaurants and grocery stores. Covers food loss caused by a power outage or refrigeration breakdown.
Protects tools and equipment you take to job sites or customers’ homes.
Covers theft of business money, merchandise, or property by employees.
Covers losses related to customer data breaches, hacking, and digital fraud.

See where the risk lies

Choose an insurance, explore the scene, and click on the highlighted points. Each point reveals a real-world risk factor and the coverage that addresses it.

01
Choose the insurance

Use the list to switch scenes.

02
Click on the numbers

Hotspots mark risk situations.

03
Read the coverage

Risk and solution side by side.

    How it works

    From quote to policy in three steps
    01
    Tell us about your situation

    What you want to protect, who needs coverage, and your history.

    02
    We compare insurers

    We show prices and coverages side by side, and explain the differences.

    03
    You end with an active policy.

    We handle the paperwork, and you receive the documents via email.

    FAQ

    Generally, it is a good fit for a small or midsize business with up to about 100 employees and annual revenue of around $5 million or less. Restaurants, retail stores, salons, offices, repair shops, and service providers often qualify.
    A BOP is an all-in-one package with standard coverage for small businesses. A CPP is built piece by piece, allowing you to choose each coverage and limit for greater flexibility, especially for larger businesses or those with specific risks.
    Yes. Even if you don’t own the building, you may need to protect your business property, improvements to the space, and liability. Many landlords require insurance under the lease.
    No. Work-related injuries are covered by Workers’ Compensation. That is purchased separately.
    No. Cars, vans, and pickup trucks used for business need Commercial Auto Insurance.
    Insurers bundle several coverages into one standardized package for small businesses. It usually costs less than buying each coverage separately, and you have a single policy to manage.
    Contact us by email, phone, or WhatsApp, or schedule a meeting. We’ll compare your current coverage with options from multiple insurers and send you the best matches.
    Licensed

    We know the requirements of each state we operate.

    Independent

    We get quotes from various insurance companies and compare them for you.

    In your language

    Support from the initial contact through to renewal.

    Other products

    • Commercial

    Trucking and Fleets

    You keep rolling, we’ll handle the paperwork
    • Commercial

    Commercial Property Package (CPP)

    Tailored protection for growing businesses.
    • Commercial

    General Liability

    Protect your business when the unexpected affects someone else
    • Commercial

    Workers’ Compensation

    When your team is protected, your business is too

    Find out how much your insurance costs

    Free quote, no obligation, with a response within 1 business day.

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