# Business Owners Policy (BOP) | Supersure

> A Business Owners Policy (BOP) bundles general liability and commercial property coverage into one policy. Get covered with Supersure today.

Canonical: https://www.supersure.com/business-insurance-coverage/business-owners-policy

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.

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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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- **Building & Business Property**
- **Business Interruption**
- **General Liability Claims**
- **Medical Payments**
- **Tenant Improvements and Betterments**
- **Additional Built-In Protections**

Coverage described above is general; actual coverages, definitions, and exclusions vary by policy form, state and insurer.

Many small and growing businesses start with a business owners policy because it offers foundational coverage in a single, easy-to-manage policy. As operations expand or risks become more specialized, coverage can be adjusted later or separated as needed.

- **Retail Businesses**
- **Restaurants & Food Delivery**
- **Service Professionals**
- **Fitness & Wellness Businesses**
- **Beauty & Personal Care Businesses**
- **Schools & Nurseries**

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

Workers’ compensation insurance covers employee injuries and illnesses that occur on the job, which are excluded from a business owners policy.

### Commercial Auto

Commercial auto insurance helps cover vehicles used for business purposes and addresses accident-related liability not covered under a business owners policy.

### Professional Liability

Professional liability insurance helps with covered claims tied to professional mistakes or advice, which are not covered under a business owners policy.

### Cyber Insurance

Cyber insurance can help address losses from data breaches and cyber incidents not addressed by a business owners policy.

### General Liability

While general liability coverage is included in a BOP, some businesses may need a standalone policy to access higher limits, broader coverage terms, or support more complex operations.

### Commercial Property

A standalone commercial property insurance policy may provide higher limits or broader coverage for buildings and contents when a business outgrows standard BOP limits.

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.

### What’s the difference between a BOP and general liability insurance?

Commercial general liability insurance typically helps with third-party injury and property damage claims *only*, while a business owners policy usually bundles general liability with commercial property coverage and may also include business interruption coverage.

### Does a BOP cover employee injuries?

Typically, no. Employee injuries and illnesses are typically covered under workers’ compensation insurance, not a business owners policy.

### Can home-based businesses get a BOP?

Some home-based businesses may qualify, depending on operations and risk profile, though coverage needs can vary.

### Is a BOP required by law?

A business owners policy is generally not required by law, but it may be required by landlords, lenders, or contracts.

### Can coverage be customized?

Yes. Many BOPs allow endorsements to adjust limits or add certain coverages based on business needs.

Talk to our team today and get started with your Supersure business insurance coverage.

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