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Chubb
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Chubb
Hiscox
Hartford
Cowbell
Coalition
CFC
Bowhead

Compare Business Owner's Policy (BOP) Quotes

Bundle general liability, property, and business income coverage into one affordable policy from A-rated carriers.

Reviewed by John Abbott, licensed P&C insurance producer (MO license #3003876211)

Bundled Savings

Get general liability, property, and business income coverage in one policy — typically 20-30% less than buying separately.

Property & Equipment

Covers your building, equipment, inventory, and furniture against fire, theft, vandalism, and weather damage.

Business Income Protection

Replaces lost revenue and covers ongoing expenses if a covered event forces you to temporarily close.

Google Reviews5.0 ★★★★★Average Customer Rating
MA

“They made insurance weirdly painless. Lightning-fast, clear explanations, and pricing that gave me real confidence I wasn't overpaying.”

Mike Altier ★★★★★

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What Is a Business Owner's Policy (BOP)?

A Business Owner's Policy (BOP) bundles three essential coverages into a single, discounted package:

  1. General Liability — third-party injury and property damage
  2. Commercial Property — your building, equipment, and inventory
  3. Business Income — lost revenue if you're forced to close temporarily

Buying a BOP is typically 20-30% cheaper than purchasing these coverages as separate policies.

Who Should Get a BOP?

BOPs are designed for small to mid-sized businesses with:

  • A physical location (office, retail store, warehouse)
  • Equipment, inventory, or furnishings to protect
  • Revenue under $5-10M (varies by carrier)
  • Fewer than 100 employees

Common BOP buyers include retail stores, restaurants, professional offices, service businesses, and small contractors.

What Does a BOP Cover?

Coverage What It Protects
General liability Customer injuries, property damage claims
Building coverage Your owned or leased building
Business personal property Equipment, inventory, furniture
Business income Lost revenue during covered closures
Extra expense Additional costs to stay operational

BOP vs. Separate Policies

A BOP simplifies your insurance by combining coverages into one policy with one premium and one renewal date. Most small businesses save significantly compared to buying GL + property + business income separately.

How Much Does a BOP Cost?

Most small businesses pay $500–$3,500 per year for a BOP, depending on location, industry, property value, and revenue.

Frequently Asked Questions

A BOP bundles general liability insurance, commercial property insurance, and business income (interruption) coverage into a single discounted package.
Most small businesses pay $500-$3,500 per year for a BOP. Cost depends on your industry, location, property value, and revenue.
For most small businesses, yes. A BOP is typically 20-30% cheaper than buying general liability, property, and business income coverage as separate policies.
Yes. Most carriers let you add endorsements for cyber liability, hired/non-owned auto, equipment breakdown, professional liability, and more.
Small to mid-sized businesses with a physical location, under $5-10M in revenue, and fewer than 100 employees typically qualify. Requirements vary by carrier.