Protect the business you worked hard to build.
A Business Owner’s Policy can bundle essential property, liability, and business-income protection into one practical policy for eligible small and midsize businesses.
One policy. Three essential safeguards.
A Business Owner’s Policy, commonly called a BOP, combines several foundational coverages. Your exact protection depends on the carrier, your operations, and the options selected.
Business Property
Helps protect eligible buildings, equipment, inventory, furniture, and other business property from covered losses such as fire or theft.
General Liability
Helps address covered third-party claims involving bodily injury, property damage, and certain personal or advertising injuries.
Business Income
May help replace lost income and cover eligible continuing expenses when a covered loss temporarily interrupts normal operations.
Additional protection when your business needs more.
A strong insurance plan goes beyond a standard package. We’ll review your operations and help identify endorsements or separate policies that may fit.
Product Liability
Protection for covered claims alleging that a product you made, distributed, or sold caused injury or property damage.
Professional Liability
Coverage designed for certain claims arising from professional services, advice, errors, or omissions.
Employment Practices
Optional protection for eligible employment-related claims, subject to policy terms and exclusions.
Equipment Breakdown
May help with covered mechanical or electrical breakdowns affecting essential business equipment.
Cyber Liability
Protection options for eligible data breaches, cyber incidents, response costs, and related exposures.
Commercial Auto & Workers’ Comp
Separate policies may be needed when your business owns vehicles or has employees.
Designed for many small and growing businesses.
BOP eligibility varies by carrier, industry, revenue, property values, and business activities. These are common examples—not a complete eligibility list.
BOP, general liability, or a commercial package?
The right solution depends on the size and complexity of your operation.
| Option | What it generally includes | Often suited for |
|---|---|---|
| General Liability | Third-party bodily injury, property damage, and certain personal or advertising injury claims. | Businesses primarily seeking liability protection without bundled property coverage. |
| Business Owner’s Policy | Typically combines general liability, eligible business property, and business-income coverage. | Small to midsize businesses with relatively straightforward risks. |
| Commercial Package Policy | A more flexible combination of commercial coverages selected around complex or specialized exposures. | Larger, specialized, or higher-complexity operations needing greater customization. |
How Elevate helps.
Understand your operation
We learn what you do, where you work, what you own, and which risks could disrupt the business.
Compare carrier options
As an independent agency, we review available coverage options rather than forcing a one-size-fits-all policy.
Explain the details
We walk through limits, deductibles, exclusions, and optional protections in plain language.
Business Owner’s Policy FAQs
How is a BOP different from general liability?
General liability focuses on eligible third-party injury, property-damage, and related claims. A BOP usually combines liability with business property and business-income protection, subject to policy terms.
Can I customize a Business Owner’s Policy?
Often, yes. Depending on the carrier and your eligibility, endorsements or separate policies may address professional services, cyber risks, equipment breakdown, employment practices, commercial vehicles, and other exposures.
Is a BOP appropriate for a home-based business?
It may be. Homeowners or renters insurance often provides limited business coverage. An agent can help determine whether a BOP or another commercial policy fits your operations.
Does every small business qualify for a BOP?
No. Eligibility differs by carrier and may depend on your industry, payroll, revenue, location, property values, claims history, and business activities.
Do I still need workers’ compensation or commercial auto?
Possibly. Those protections are generally separate from a standard BOP and may be required based on your employees, vehicles, contracts, and state rules.
Let’s protect what keeps your business moving.
Tell us about your company and we’ll help compare practical coverage options from available carriers.
Request a Business Insurance QuoteCoverage descriptions are general summaries only. Availability, eligibility, limits, deductibles, exclusions, and terms vary by carrier and policy. Your policy documents control.