← Commercial Insurance
Business Owners Policy (BOP)
Core business coverages brought together.
For qualifying businesses, a Business Owners Policy can combine key property and liability protections in one package while allowing selected options to address additional needs.
What to understand
How business owners policy (bop) can fit into a business program.
- Commercial property coverage when included
- General liability coverage
- Available business-income protection
- Optional endorsements based on carrier and business eligibility
Review considerations
Details worth discussing.
- Industry and carrier eligibility
- Property values and business locations
- Revenue, payroll, and operational details
- Additional exposures not included in the package
Business Owners Policy (BOP) FAQs
Business risk deserves specific questions.
Is a BOP right for every business?
No. Eligibility varies by carrier, industry, size, operations, and risk characteristics. Some businesses need separate monoline or specialty policies instead.
Does a BOP include commercial auto or workers compensation?
Those coverages are generally handled separately. A complete business review should look at exposures beyond the BOP itself.
Complimentary Protection Review