Business Owners Policy

A Business Owner's Policy (BOP) is a type of insurance that combines commercial property and general liability insurance into one policy. It can help protect a small or medium-sized business from a variety of claims.

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A Business Owner's Policy (BOP) is much like a Homeowners Policy, except for your business. It can help protect your business from a variety of claims, including: 

  • Property damage: Covers the repair or replacement of buildings, equipment, furniture, inventory, and other property 

  • Business interruption: Covers lost income if a business has to temporarily close 

  • Liability: Covers medical expenses, bodily injury, and property damage caused by the business or its employees 

  • Crime: Protects against theft, fraud, and forgery 

BOPs can be a good choice for small businesses because they are usually less expensive than buying separate policies. The cost of a BOP varies based on several factors, including: 

  • Business size

  • Industry

  • Location

  • Amount of coverage

  • Business property value

  • Number of employees

  • Claims history