A Business Owners Policy bundles general liability and commercial property insurance into one package — usually at 15–20% less than buying them separately. It's the most popular policy for small businesses, and for good reason.
A BOP combines two essential coverages into one convenient, cost-effective package. Think of it as the starter kit for protecting your business.
Covers bodily injury, property damage, and advertising injury claims from third parties — the same coverage as a standalone GL policy.
Protects your building (if owned), business contents, equipment, inventory, and furniture against covered perils.
Pays lost revenue and ongoing expenses if a covered event (like a fire) forces you to temporarily close.
Many modern BOPs include basic cyber coverage for data breach notification and response costs.
Covers sudden failure of mechanical or electrical equipment — HVAC, computers, refrigeration, and more.
Small to mid-sized businesses with a physical location, under $5M in revenue, and fewer than 100 employees. If you rent or own a space and have equipment or inventory, a BOP is usually the best value.
A BOP bundles them at a discount (usually 15-20% savings) and simplifies your coverage with one policy, one premium, and one renewal date. It also often includes bonus coverages like business income.
For most small businesses, $500–$2,500/year. It's one of the best values in business insurance — especially compared to buying coverages individually.
Yes — most carriers let you add cyber liability, hired/non-owned auto, tools floaters, and employment practices liability as endorsements to your BOP.
Workers' comp, commercial auto, professional liability (E&O), and health insurance are all separate. A BOP is the foundation, but most businesses need additional policies.
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