Business owner's policy (BOP)
General liability and property coverage packaged together in one policy, often with business income included. A common starting point for small and mid-sized businesses.
What it generally covers
- General liability for injury and damage to others
- Property coverage for your building and contents
- Business income after a covered loss
- Optional add-ons such as equipment breakdown or data breach
Who usually asks about it
- Small and mid-sized businesses with a location
- Offices, shops and service businesses
- Owners who want a simpler, combined policy
- Businesses whose lease requires liability and property
Common questions
Is a BOP right for every business?
Not always. Eligibility depends on the type, size and operations of the business. Some risks are better served by separate policies.
Does a BOP include commercial auto or workers' comp?
No. Those are separate policies even when you have a BOP.
Can I add coverage to a BOP?
Often, yes. Many BOPs allow endorsements for things like equipment breakdown, data breach or hired and non-owned auto.
General information only. Coverage depends on the policy's terms, conditions and underwriting. A licensed agent can review what fits your situation.