A Business Owner Policy Looks to combine both a liability and property coverage in one policy at a combined typically discounted rate. The policy looks to caters to small business meeting the needs to business os they can operate efficiently. The BOP typically covers on the liability side damage to a clients property, injuring a person’s reputation, business causes physical injury, infringing on a copyright. On the Property Side it looks to cover theft, fire and vandalism, (note there is very limited coverage for property in transit that would be covered under inland marine policy) The Business owner policy also offers options for income protection, cyber and some other items. .



A BOP give a business owner combined coverages that include both liability and property, generally at a much lower rate than buying two separate policies.

A Business Owner’s Policy (BOP) combines business liability and business property  insurance into one more inclusive policy. Think of it as combining two needed policies. BOP Insurance looks to cover your business from claims resulting from things like fire, theft or another covered disaster and from claims involving bodily injury, property damage and personal and advertising injury that could arise from your business’ operations. Businesses can tailor a Business Owner’s Policy (BOP) to help meet their unique needs by adding optional coverages like data breach, business income for off-premises utility services and other specialized coverages to their BOP.  By doing so it allows businesses to purchase a single policy giving them the protection they need at a price that is generally less expensive than purchasing two separate policies.

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