Business Owners Policy (BOP)
The smart choice for small to mid-size businesses. A BOP combines general liability, commercial property, and business income coverage into one convenient, cost-effective package.
What's Included in a BOP?
A BOP bundles essential coverages into one package — often at a lower price than buying them separately.
General Liability
Third-party bodily injury, property damage, and personal/advertising injury coverage — the foundation of business protection.
Commercial Property
Covers your building (if owned), business equipment, furniture, inventory, and signage against covered perils.
Business Income
Replaces lost income and covers ongoing expenses (rent, utilities, payroll) if your business can't operate after a covered loss.
Data Breach Coverage
Many modern BOPs include basic data breach and cyber incident response coverage — increasingly important for all businesses.
Employee Dishonesty
Protects against losses from employee theft, fraud, and embezzlement — a coverage often overlooked by small businesses.
Equipment Breakdown
Covers repair or replacement of essential business equipment after mechanical or electrical breakdown.
Is a BOP Right for Your Business?
BOPs are ideal for these types of businesses.
Why Choose a BOP?
Frequently Asked Questions
What's the difference between a BOP and buying separate policies?
A BOP bundles general liability and commercial property (plus often additional coverages) into one package at a lower combined premium. Buying separate policies gives you more customization but typically costs more. For most small to mid-size businesses, a BOP provides excellent value.
Does a BOP include workers' compensation?
No. Workers' comp is always a separate policy in Florida. However, we can bundle your BOP with workers' comp from the same carrier for multi-policy discounts and simplified management.
Who qualifies for a BOP?
BOPs are designed for small to mid-size businesses. Qualification depends on your industry, revenue, number of employees, and building size. Most businesses with less than 100 employees and under $5M in revenue qualify. Larger or higher-risk businesses may need standalone commercial policies.
Can I add additional coverages to my BOP?
Yes. Most BOPs can be enhanced with endorsements for cyber liability, hired/non-owned auto, professional liability, inland marine (tools/equipment), and more. We'll help you build a BOP package that covers all your needs.
Bundle & Save with a Business Owners Policy
Get comprehensive coverage in one affordable package. Free quotes from multiple commercial carriers.