Business Owner’s Policy (BOP)

Independent broker. One smart bundle for many small businesses—property + general liability, with add-ons that fit how you operate.

🛡️General Liability 🏬Business Property 💸Business Income
📘 What’s in a BOP
  • General Liability — bodily injury, property damage, personal/advertising injury.
  • Business Property — building, tenant improvements, inventory, equipment.
  • Business Income (interruption) — helps replace income after a covered loss.
🧩 Popular endorsements
  • Equipment breakdown (mechanical/electrical failure).
  • Computers & media + valuable papers.
  • Cyber/data compromise (first-party + liability options).
  • Hired & non-owned auto liability.
  • Spoilage & utility services (food/temperature-sensitive ops).
  • Outdoor signs & property off-premises/in transit.
📏 Right-sizing limits & deductibles

We quote side-by-side options for property limits, BI (actual loss sustained vs. months limit), GL limits, and deductibles so you’re not over- or under-insured.

🧾 Can my landlord be added?

Yes—additional insured and certificate holders are common. We’ll issue COIs fast and match any lease wording.

⏳ How fast can a BOP start?

Often within a few days for straightforward risks. We’ll gather basics and prioritize carriers that fit your class of business.

📦 Do I need inland marine?

If tools/equipment travel or live off-premises, a tools & equipment (inland marine) policy can fill that gap. We’ll quote it alongside your BOP.

Ready for side-by-side BOP quotes?

Send your address, square footage, inventory/equipment ballpark, and any lease requirements. We’ll compare multiple carriers for you.

Discuss a BOP