Bundled Business Insurance
Business owners policy
(BOP) insurance
From everyday accidents to major property losses, a Business Owners Policy (BOP) can help small and mid-sized businesses manage financial risk by packaging property and liability coverage into one convenient policy.
Introduction
What is business owners policy (BOP)
insurance?
A business owners policy (BOP) typically bundles commercial property insurance and general liability insurance into one policy, helping businesses manage risks related to physical assets like covered buildings and equipment while also covering third-party injury and property damage claims.
Many policies also include business interruption coverage and additional built-in coverages, making a BOP a convenient way to address common business risks for small businesses.
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The Coverage
What can business owner policy (BOP) insurance cover?
Helps pay for loss or damage to buildings, equipment, furniture, inventory, and tools used in operations when damaged or destroyed by covered causes of loss.
Helps replace lost income and cover ongoing expenses when operations are temporarily suspended due to a covered property claim.
Helps with third-party bodily injury and property damage claims arising from your business operations or premises.
Helps cover certain medical expenses for injured third parties, regardless of fault, helping resolve minor claims quickly.
Helps cover buildouts and improvements made to leased spaces that are damaged by covered causes of loss.
Some BOPs may include limited coverage for electronic data, outdoor property, employee dishonesty, or spoilage, depending on policy terms.
Coverage described above is general; actual coverages, definitions, and exclusions vary by policy form, state and insurer.
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Who can benefit from business owner policy (BOP) insurance?
Additional Coverage
Other types of coverage
you might need
While a business owners policy can provide a solid foundation of coverage, some businesses may need additional coverage to account for risks tied to vehicles, employees, specialized services and more.
Workers Compensation Insurance
Protection for your workers
Workers’ compensation insurance covers employee injuries and illnesses that occur on the job, which are excluded from a business owners policy.
Common Questions
Business owner policy
insurance FAQ’s
Got questions? Don’t worry, you’re not alone. Here are some of the most common questions from business owners about business owners policy insurance.
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