Built around the exposure
Coverage is only useful when it fits the way you operate.
A business owners policy, or BOP, combines commonly needed property and liability coverages in one policy for eligible small and midsize businesses.
Discuss this coverageWho typically needs it
- Professional offices
- Retail and service businesses
- Eligible small and midsize firms
What it can address
- Business property
- General liability
- Business income
- Certain equipment and crime exposures
Important considerations
- Eligibility and revenue
- Property values
- Business income limits
- Optional endorsements
Common questions
A clearer starting point.
Is business owners policy required?+
Requirements vary by state, contract, industry, and the way your business operates. We can help you identify the requirements that may apply before approaching insurance markets.
How are limits and pricing determined?+
Insurers consider factors such as operations, size, location, loss history, controls, requested limits, and policy structure. A complete submission helps underwriters evaluate the account accurately.
Can this coordinate with our other policies?+
Often, yes. Reviewing the full insurance program can identify overlaps, gaps, inconsistent dates, or underlying-limit requirements that should be addressed together.
Coverage availability, terms, conditions, exclusions, and pricing vary by insurer and underwriting. This information is general and is not a representation of coverage under any specific policy.