What kind of business do you own?
BOPs are designed for specific business types. Pick yours below.
Who qualifies for a BOP?
The Business Owners Policy is designed specifically for small to mid-sized businesses with low to medium risk. Insurance carriers love to give discounts to these businesses by "bundling" coverage. You likely qualify if:
- You have a physical location (office, store, or home office).
- You have less than 100 employees.
- You have less than $5 Million in revenue.
- You have equipment, inventory, or furniture you need to protect.
Customize your "Three Pillars"
A BOP covers all three of these. Which is your priority?
Liability Protection
Protects you if a customer gets hurt or you damage their property.
Building & Gear
Covers fire, theft, or damage to your inventory, tools, and computers.
Lost Income
Pays your bills and payroll if a disaster forces you to close temporarily.
Why is a BOP better than just General Liability?
General Liability only protects you from lawsuits. A BOP protects your assets and your income too. It's the "Ultimate Bundle" for small businesses.
What is your annual revenue?
This helps us calculate your "Business Income" coverage limit.
How much property coverage do I get?
Most BOPs are flexible. We help you calculate the value of your:
- Business Personal Property (BPP): Furniture, computers, inventory, and tools.
- Tenant Improvements: Upgrades you made to your rented office or shop (like lighting or flooring).
- Business Income: Usually covers 12 months of lost revenue ("Actual Loss Sustained").
Why businesses choose the Bundle
"I used to have three separate policies for my coffee shop. Switching to a BOP saved me $600 a year and the coverage is actually better."
"A pipe burst in my office and ruined two computers. The BOP paid for the damage AND the week we couldn't work. Lifesaver."
"Getting a quote was super easy. I didn't know if I qualified for a BOP, but the form walked me right through it. Highly recommend."
Enhance your Bundle
BOPs cover a lot, but you can still add these specialized coverages:
The "BOP" Formula Explained
A Business Owners Policy (BOP) is a package policy created for small businesses. Think of it like a "value meal"—you get the main course, the side, and the drink for one price that is lower than buying them separately.
It's the industry standard for:
- Retail Stores & E-commerce
- Contractors with tools
- Offices & Consultants
- Restaurants & Cafes
How much does a BOP cost?
Because you get 3 types of coverage, it costs slightly more than basic Liability, but offers much more value.
Home-Based / Office
For consultants, accountants, and IT pros with minimal equipment.
Shops & Salons
Covers inventory, customer slip-and-falls, and tenant improvements.
Contractors
Includes coverage for expensive tools and installation floaters.
What drives the price up?
Coastal areas (hurricanes) or high-crime zones cost more for property coverage.
Insuring $100k of inventory costs more than insuring $10k.
Restaurants (fire risk) pay more than accounting firms.
Higher revenue means higher potential Business Interruption payouts.