Commercial Insurance
Business Owners Policy (BOP)
Bundles your general liability and commercial property coverage into one convenient policy built for small and mid-sized businesses.
What it is
A Business Owners Policy, or BOP, combines general liability and commercial property in one package, usually with business income coverage built in. For many WNY shops, offices, and restaurants, it is a useful starting point. We can help you compare its coverage and cost with separate policies to see which approach fits your business.
What Business Owners Policy (BOP) covers
- General liability for third-party injury and property damage claims
- Property coverage for your building, equipment, inventory, and furnishings
- Business income to help replace lost revenue if a covered event shuts you down
- Common add-ons like equipment breakdown, data, or spoilage coverage
- Property and liability coverage managed together in one package
FAQ
Business Owners Policy (BOP): common questions
What is the difference between a BOP and general liability?
General liability covers third-party injury and property damage. A BOP wraps that together with coverage for your own building, equipment, and inventory, plus lost income if you have to close after a covered loss.
Who qualifies for a BOP?
Typically smaller, lower-hazard businesses like shops, offices, and many restaurants. Larger or higher-risk operations may need separate policies. We can help you review the options for your operation.
Can I add coverage to a BOP?
Yes. Common add-ons include equipment breakdown, data and cyber, spoilage, and hired and non-owned auto. We will help you assess which ones are relevant to how you operate.
Guidance for your decision
Compare your options with a local agent.
We help you review business owners policy (bop) options from carriers including The Hartford, explain the differences, and choose coverage that fits your business.