Business Owner's Policy
We help Florida small businesses understand a Business Owner's Policy (BOP), compare available insurers, and request a quote.
What a Business Owner's Policy includes
A Business Owner's Policy, often called a BOP, generally bundles several coverages into one policy for eligible small businesses. These commonly include general liability, commercial property, and business income coverage. Whether a business qualifies, and which coverages and limits are available, depends on the insurance company, the type of business, and its size.
A BOP does not cover everything. Coverages such as workers' compensation, commercial auto, and professional liability are usually written separately. An agent can help you review what a BOP includes and what you may need to add.
Compare common BOP coverages
What it generally addresses
General liabilityClaims that your business caused injury to others or damage to their property.
Commercial propertyYour building, equipment, inventory, and other business property after a covered loss.
Business incomeLost income and certain ongoing expenses if a covered loss temporarily interrupts operations.
Why work with an independent agent
An independent agency is not tied to a single insurance company.
More than one option
We can review options from the insurance companies we work with, so you can weigh coverage, limits, and fit. Available options depend on your business and insurer underwriting.
Coverage explained
We walk through what is included, what is excluded, and what the deductibles mean before you choose.
Support as you grow
A new location, new equipment, or new employees can change your coverage needs. We can help you review your policy when your business changes.
Business Owner's Policy questions
What is a Business Owner's Policy?
A Business Owner's Policy, or BOP, is a package that combines commonly needed coverages, such as general liability, commercial property, and business income, into one policy for eligible small businesses. Terms vary by insurance company.
Which businesses can get a BOP?
BOPs are generally designed for small and mid-sized businesses with lower-risk operations, such as offices, retail shops, and some service businesses. Eligibility depends on the insurance company, the type of business, and factors such as size and revenue.
What is not included in a BOP?
Coverages such as workers' compensation, commercial auto, and professional liability are usually not part of a BOP and are written separately. An agent can help you identify what else your business may need.
What affects the cost of a BOP?
Insurers commonly consider factors such as the type of business, its location, property values, revenue, number of employees, the coverages and limits you choose, and claims history. We cannot predict a specific price before a quote is prepared.
How do I get a Business Owner's Policy quote?
Complete the quote request form or contact us, and an agent will follow up to review your information and options. Quotes and coverage are subject to underwriting and the terms of the insurance company.
Ready for a Business Owner's Policy quote?
Tell us about your business and an agent will help you review your options.