★ Commercial · Business owner's policy
Two policies in one. Built for small business.
A BOP bundles general liability, commercial property, and business interruption into a single policy at a single price that is almost always cheaper than buying them separately. It is the go-to starter package for small businesses with a physical location.
Free quotes · No obligation · A licensed specialist answers, usually within one business day
★ What it covers
What’s covered and what isn’t.
Plain English, no fine-print games. Every policy has exclusions; here are the ones that actually matter for a BOP.
What it covers
- General liabilityThird-party bodily injury, property damage, and legal defense. The standard $1M/$2M base most contracts require.
- Commercial propertyYour building if you own it, or your contents, equipment, and inventory if you lease.
- Business interruptionLost income while you are closed for repairs after a covered loss. Built into most BOPs, usually up to 12 months.
- One premium, one renewalSimpler to manage and usually meaningfully cheaper than buying GL and property as separate policies.
What it doesn’t cover
- Professional mistakesConsultants, advisors, and agencies need separate E&O. A BOP never covers professional negligence.
- Workers' compStatutory and always a separate policy.
- Commercial autoVehicles are never in a BOP, not even one work truck.
- Flood and earthquakeExcluded, same as standalone commercial property.
- Risks the BOP wasn't built forManufacturers with major exposures, large contractors, and high-hazard occupancies usually need a custom commercial package instead.
All quotes are subject to carrier underwriting and final approval. Coverage availability, terms, and pricing vary by state and carrier. The lists above describe typical Business Owner's Policy policies, not any specific carrier’s form.
★ Who needs it
If this sounds like you, you need a BOP.
The businesses that buy Business Owner's Policy most, and the one-line reason each one does.
Retail shops
Storefront, inventory, foot traffic: the textbook BOP account.
Restaurants and cafes
Property, liability, and interruption in one, though some carriers restrict heavy cooking exposures.
Professional offices
Standard offices with owned or leased space and normal equipment.
Salons and barbershops
Client injuries plus expensive buildouts and equipment.
Small contractors (office-based)
The office and yard go on the BOP; the field work gets its own GL.
★ The short version
Almost always cheaper than buying GL and property separately, which is why the BOP is the default recommendation for eligible small businesses.
★ What it costs
What drives the price.
Carriers price Business Owner's Policy on exposure, not vibes. Here’s what moves your number, and what you can actually influence.
- Eligibility: BOPs are built for small, low-to-moderate hazard businesses, typically under ~100 employees and modest premises.
- Property values: Building and contents values set the property half of the premium.
- Revenue and foot traffic: Sales volume and customer traffic drive the liability half.
- Location: Fire protection class and territory move the property premium.
- Endorsements added: Data breach, hired & non-owned auto, and EPLI endorsements add cost, and genuinely useful protection.
★ Often quoted together
Pairs well with Business Owner's Policy.
Most businesses don’t buy one policy in isolation. These are the lines BOP buyers usually quote at the same time. One specialist quotes the whole package.
General Liability
The foundation policy: third-party injuries, property damage, and legal defense.
Commercial Property
Your building, contents, and equipment, plus the income you lose while closed for repairs.
Professional Liability
Covers negligence claims against your professional work. The policy expertise businesses can't skip.
★ Straight answers
Questions BOP buyers actually ask.
The short version of what our licensed specialists explain on calls every week.
Is a BOP really cheaper than buying GL and property separately?
Who doesn't qualify for a BOP?
Does a BOP include workers' comp?
Can I add coverage to a BOP?
BOP vs. commercial package policy: what's the difference?
Does a BOP cover business interruption?
Get my quote
Get your Business Owner's Policy quote. Two minutes.
Tell us about the business. A licensed specialist shops the carriers and comes back with real options.
- About 2 minutes, built for Business Owner's Policy
- A licensed specialist follows up, usually within one business day
- No bait prices, no call centers, no selling your information
Free quotes. No obligation. Written through Patriot Independent Insurance Partners, licensed in TX, FL, GA, SC, AL, MS, NC, CA, and CO. Your information is never sold to lead brokers.