Business Owners Policy
Bundle general liability and commercial property into one streamlined, affordable policy. Built for small and midsize businesses across the Midwest.
What's Covered
What a BOP Includes
A Business Owners Policy bundles the essential coverages most small businesses need into one policy — saving time, money, and paperwork. We customize each BOP to fit your specific operations.
General Liability
Covers third-party bodily injury, property damage, and advertising injury claims. If a customer slips in your store or you're sued over an ad, this is your first line of defense.
Commercial Property
Protects your building, equipment, inventory, and furniture against fire, theft, vandalism, and storms — all bundled into one policy instead of purchased separately.
Business Income
If a covered event forces you to temporarily close, business income coverage replaces lost revenue and helps pay fixed expenses like rent, utilities, and payroll.
Data Breach / Cyber Liability
Many modern BOPs include optional cyber coverage for data breaches, ransomware attacks, and notification costs — critical for businesses that handle customer data.
Professional Liability
Also known as Errors & Omissions. Covers claims arising from professional mistakes, missed deadlines, or failure to deliver services as promised.
Hired & Non-Owned Auto
Covers liability for employees driving personal or rented vehicles for business purposes — deliveries, client visits, errands, and more.
Common Questions
Business Owners Policy FAQ
Everything you need to know about bundling your business coverage into one smart, affordable policy.
A BOP bundles commercial property insurance and general liability into a single, discounted policy. Most carriers also let you add endorsements like cyber liability, professional liability, and business auto coverage.
BOPs are designed for small to midsize businesses — retail shops, restaurants, professional offices, service companies, and contractors. If your business has a physical location or equipment, a BOP is usually the most cost-effective starting point.
General liability only covers third-party injury and property damage claims. A BOP adds commercial property coverage (your building, equipment, inventory) and business income protection — giving you broader protection at a bundled rate.
Yes. Most carriers offer endorsements you can add to your base BOP — cyber liability, professional liability, hired auto, equipment breakdown, and more. We help you build the right package for your business.
Premiums vary based on your industry, location, revenue, and coverage limits. For many small businesses, a BOP starts around $500–$1,500 per year. We compare quotes from multiple carriers to find the best value.
A BOP covers your business liability and property, but it doesn't include workers' compensation or health insurance. Those need separate policies, which we can also help you find.
Get a Free BOP Quote
We compare business owners policies from top carriers across Illinois, Indiana, Michigan, Wisconsin, and Minnesota. One policy, comprehensive protection.