Foundational
Business Owner's Policy (BOP)
General liability and commercial property bundled into one cost-effective policy for small and mid-size businesses.
A BOP packages the two lines almost every business needs, general liability and commercial property, into a single policy priced below what the two would cost separately. It is the practical starting point for most operators before they layer on Professional liability insurance and management liability.
What it covers
What this policy responds to
- General liability for third-party injury and property damage
- Commercial property for your building, equipment, and inventory
- Business interruption to replace income while you recover
- Optional endorsements for data breach, equipment breakdown, and more
Who carries it
Typical operators on this line
- Small and mid-size businesses with a physical location or equipment
- Operators who want GL and property on one bill and one renewal
- Tenants whose lease requires both liability and contents coverage
FAQs
Common questions
- Is a BOP cheaper than buying the lines separately?
- Usually, yes. Carriers bundle general liability and property at a package rate that runs below the sum of the two monoline policies, which is why a BOP is the default starting point for small businesses.
- What does a BOP not cover?
- Professional liability (E&O), Workers' compensation insurance, commercial auto, and management liability (D&O, EPL) are separate. A BOP is the foundation, not the whole program.
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