Liability and property in one package, usually cheaper than buying them apart.
A business owners policy bundles general liability with commercial property, and usually business income. It is priced as a package, for businesses that fit the rules.
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Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What business owners policy actually covers.
General liability
Third-party injury and property damage, on the same terms as a standalone policy.
Without it — The line nearly every contract requires is missing.
Building
The structure, if you own it, and permanently installed fixtures.
Without it — A fire is a rebuild funded entirely by you. If you lease, this limit may be nil and that is correct.
Business personal property (BPP)
Everything that is not the building: equipment, stock, furniture, tools and the fit-out you paid for. It is a separate limit from the building and it is the one people set from memory.
Without it — The building and the contents are two different numbers on the declarations, and the contents number is the one that is usually wrong.
Business income
Lost profit and continuing expenses while you cannot operate after a covered loss.
Without it — The rent and the payroll carry on through a three-month closure with no revenue behind them.
Where business owners policy shows up.
- Restaurant
Buying liability and property separately usually costs more than packaging them.
- Retail
Buying property and liability separately usually costs a small retailer more.
- Professional Services
Office contents and liability cost less packaged than bought separately.
- Medical & Dental Practices
Property and liability package more cheaply than they buy separately.
- Pet Services & Veterinary
Property and liability package more cheaply than they buy separately.
- Bar
Buying property and liability as a package usually prices better than buying them apart.
- Tavern
Property and liability bought as a package usually prices better than the two bought separately.
- Handyman & Property Maintenance
A packaged policy is often the right structure for this size of business, provided the classification actually matches the work.
- SaaS & Software
The office, the laptops and the general liability certificate in one policy, sized for a company whose real risk lives elsewhere.
- Recording Studios
For most independent studios the property and liability belong in one package rather than three policies.
- Production Vendors
A packaged policy fits most vendors of this size, provided the classification matches the work.
- Podcasts
For a show with a room and a few people, the property and the liability belong in one package rather than three policies.
- Bowling Centers
Most independent centers belong in a package rather than in separate policies.
- Coterie Insurance
For a small main-street risk this is often the fastest route from a phone call to a bound policy that exists.
- AmTrust Financial
Keeping the package and the comp with one carrier simplifies the audit and sometimes the price.
- Chubb
A broader package than the budget markets write, with fewer of the sublimits that decide claims.
- Liberty Mutual
One renewal date and one adjuster across lines that argue with each other at claim time.
- CNA
Knowing which of the two your account belongs on decides both the price and what is available to add.
What clients with business owners policy ask us.
What else can go on a BOP?
More than most people expect, and this is why two BOP quotes at the same price are routinely not the same policy.
Am I eligible for a BOP?
Eligibility is set by the carrier and turns on class of business, size and exposure, meaning square footage, revenue, and whether your trade is on their acceptable list. Restaurants with late-night alcohol, contractors working at height, and anything with a heavy auto or professional exposure often fall out and need the coverages written separately. Falling out of BOP eligibility is not a problem, it just means a different structure.
Is a BOP always cheaper?
Usually, but not always, and it is worth pricing both. The package discount is real; so is the risk of accepting standard BOP sub-limits that do not fit you. If your equipment values or your business income exposure are unusual for your class, the cheaper package can be the more expensive claim.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.