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.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What business owners policy businesses actually need.
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.
Commercial property
Buildings, equipment and stock.
Without it — A fire or theft is funded from cash flow.
Business income
Lost profit and continuing expenses while you cannot trade 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.
What business owners policy operators ask us.
Am I eligible for a BOP?
Eligibility is set by the carrier and turns on class of business, size and exposure — 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.