A Business Owners Policy (BOP)  is a general insurance package that combines General Liability and Business Property insurance under one policy typically for smaller businesses in lower risk business classes. General Liability helps protect from another person or business’ claim of injury and related medical costs, property damage, personal injury, and data loss. Business Property protects damage to a rented property and the equipment that is within the space.

Not all business are eligible for a Business Owners Policy and determining factors would be the type of business, sales, employees, and other factors.

A Business Owners Policy is not an option for all businesses. It is usually a policy that applies to small to medium businesses in lower risk business classes. Since it combines a General Liability policy and Property Insurance, if your business is not appropriate for a Business Owners Policy, our licensed specialists can come up with a solution using separate insurance policies that cover the same or additional protections.