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.