Reliable Business Owners Policy Insurance for Your Business

Get Two in One: General Liability & Commercial Property Insurance Package

A Business Owner’s Policy (BOP) Insurance is a comprehensive solution designed to protect small and medium-sized businesses. It conveniently bundles General Liability Insurance and Commercial Property Insurance into one cost-effective package. This coverage safeguards your business from property damage, lawsuits, and unexpected risks, ensuring financial stability. Whether you own a retail store, office, or service-based business, a BOP provides essential protection tailored to your needs.

By combining multiple coverages, a BOP simplifies insurance management while offering significant cost savings. It typically includes protection against fire, theft, property damage, and liability claims. Some policies also offer business interruption coverage, helping you recover lost income due to unforeseen events. With a BOP, you can focus on growing your business with peace of mind, knowing you’re covered from potential financial setbacks.

What is Business Owner’s Policy (BOP) Insurance?

A Business Owner’s Policy (BOP) is a specially designed insurance package that combines general liability and commercial property insurance into one cost-effective policy. It is tailored for small to mid-sized businesses, offering essential coverage to protect against property damage, lawsuits, and operational risks. Instead of purchasing separate policies, business owners can save money and simplify their insurance needs with a BOP.

This policy typically covers damage to business property, liability claims from third parties, and loss of income due to unexpected disruptions. Whether you own a retail shop, an office, or a small restaurant, BOP insurance ensures financial security by shielding your business from common risks. However, it does not include coverage for professional services, auto insurance, or workers’ compensation—these must be purchased separately.

What type of business needs a BOP insurance policy?

A Business Owner’s Policy (BOP) is a valuable asset for small businesses with a physical location or an online business that stocks products or inventory. It provides comprehensive protection against various risks, ensuring financial stability in unforeseen circumstances.

Some of the most common businesses that benefit from BOP coverage include:

Retail stores and e-commerce businesses
Restaurants, caterers, and food service businesses
Professional service providers like consultants, real estate agents, and insurance professionals

A BOP policy may be the right choice for your business if:

You Operate from a Physical Location

Whether you own or lease an office, storefront, garage, or even work from home, having commercial property insurance is crucial.

For example, if you run a legal services firm from a small storefront, your BOP policy can help protect your business assets, such as computers and office furniture. In case of a fire or another covered event, the policy can assist with lost income, relocation costs, and property replacement.

You Have Equipment or Inventory at Risk

Imagine losing everything you need to run your business overnight—could you afford to replace it all immediately?

For example, if vandals break into your coffee shop, damaging your espresso machines, furniture, and inventory, BOP coverage can help cover replacement costs so you can reopen your business without a major financial setback.

You Regularly Interact with Customers or the Public

Any business that deals with customers, vendors, or the public faces liability risks.

For example, if a customer slips and falls on your premises, they might require medical treatment—and you could be legally responsible for the costs. Your BOP policy can help cover medical expenses and legal defense fees, protecting your business from costly claims.

With the right Business Owner’s Policy, you can safeguard your business assets, manage risks, and focus on growth without worrying about unexpected losses.

What does a business owner's policy cover?

Business Owner’s Policy (BOP): Comprehensive Protection for Your Small Business

A Business Owner’s Policy (BOP) combines general liability insurance and commercial property insurance, often referred to as business hazard insurance. This bundled coverage provides essential liability and property protection, helping small businesses safeguard their financial future.

A BOP typically includes coverage for:

Third-Party Bodily Injury

If a customer sustains an injury on your business premises, the general liability portion of a BOP can help cover medical expenses and legal costs if a lawsuit arises.

Third-Party Property Damage

If your business accidentally causes damage to a customer’s property, the general liability insurance within a BOP can cover repair or replacement costs and legal expenses if needed.

Product Liability

Businesses involved in manufacturing, distributing, or selling products can be held liable for damages caused by their products. A BOP includes product liability coverage, offering financial protection against claims of injury or property damage.

Advertising Injuries

If a business owner or employee is sued for advertising-related claims such as libel, slander, or copyright infringement, the liability coverage in a BOP helps cover legal expenses.

Business Property Damage

The commercial property insurance component of a BOP helps cover repair or replacement costs if your business property is damaged due to fire, theft, or certain weather events.

Additionally, Business Personal Property (BPP) coverage protects essential business assets like furniture and machinery. If your business doesn’t own a building, a BPP endorsement can be added to a general liability policy instead of purchasing a full BOP.

This cost-effective insurance solution provides all-around protection, ensuring your business remains secure against unexpected risks.

Why choose us for your business?

At Jon Nelson Insurance & Bonding Services, we understand that protecting your business is more than just a necessity—it’s a commitment to your future success. With years of industry expertise, we provide tailored insurance and bonding solutions designed to safeguard your assets, minimize risks, and ensure financial security. Our personalized approach means we take the time to understand your unique business needs, offering coverage that fits seamlessly with your operations.

Why Choose Us?

✔ Tailored insurance solutions for businesses of all sizes
✔ Competitive pricing without compromising on coverage
✔ Expert guidance and personalized service
✔ Fast and hassle-free claims assistance
✔ Trusted bonding services to meet your business needs

Frequently Asked Questions

A Business Owner’s Policy (BOP) is an insurance package that combines general liability insurance and commercial property insurance into one affordable policy. It is designed to protect small to medium-sized businesses from financial risks, including property damage, liability claims, and business interruptions.

A BOP typically includes:

General Liability Insurance – Covers third-party bodily injury, property damage, and legal expenses.

Commercial Property Insurance – Protects business buildings, equipment, and inventory.

Business Interruption Insurance – Helps cover lost income if your business operations are disrupted.

A BOP is ideal for small and mid-sized businesses, including retail stores, restaurants, service providers, and offices. If your business has a physical location, handles customer interactions, or owns property, a BOP can provide essential protection.

Yes! Many insurers allow businesses to add coverages such as cyber liability, professional liability, or employee dishonesty coverage to customize their BOP according to their needs.

A BOP does not typically cover:

Workers’ Compensation (for employee injuries)

Professional Liability (errors & omissions)

Commercial Auto Insurance

Flood or Earthquake Damage (requires separate policies)

A BOP is not legally required, but landlords, lenders, and clients may require proof of insurance before signing contracts or leasing space. It is also highly recommended to protect your business financially.

Business Owner Policy

Choose your primary coverage to get started

Business Insurance

General Liability Insurance

Workers' Compensation Insurance

Commercial Property Insurance