The combo meal of small‑business insurance 🍔🍟
A BOP bundles the big three — Property, General Liability, and Business Income — in one tidy package. Think: “fries included.” We’ll help you pick limits and add‑ons that actually fit your business.
Fun fact: “BOP” is also the sound your wallet makes when you save by bundling. (Okay, not scientifically proven.)
Start in 60 seconds →What’s in a BOP?
Commercial Property
Your stuff: furniture, fixtures, equipment, stock, and (optionally) the building. Add equipment breakdown and spoilage where needed.
General Liability
Third‑party injury or property damage (someone trips in your shop) and personal/advertising injury.
Business Income
Lost income/extra expense after a covered property loss. Keeps the lights on while you recover.
Extras (optional)
Cyber & data breach, EPLI, outdoor property/signs, ordinance & law, water backup, and more — varies by carrier.
What a BOP usually doesn’t cover
- ✗ Workers’ Comp (that’s a separate policy)
- ✗ Commercial Auto (separate policy; ask about HNOA endorsements)
- ✗ Professional Liability for specialized advice/services (E&O)
- ✗ Flood & earthquake (typically separate or by endorsement)
Coverage and options vary by carrier and state. We’ll help you match requirements in your lease or contracts.
Who is a BOP great for?
- ✓ Retail shops & boutiques
- ✓ Cafés & restaurants
- ✓ Professional offices
- ✓ Light manufacturing & warehouses
- ✓ Salons, gyms, studios, and more
Real‑world “oops” moments
Ready to bundle and save?
Getting a quote is the easy part. Click below and you’ll be off to our quick, friendly quote flow. No pop quizzes, we promise.
BOP — FAQs
Is a BOP cheaper than buying separate policies?
Often, yes. Carriers price BOPs competitively because they package key coverages together. (Like a value meal, minus the fries.)
How do I choose limits?
Match your property values (contents/building), check your lease/contract insurance requirements, and consider cash‑flow needs for Business Income. We’ll guide you.
Can I add cyber coverage to a BOP?
Many carriers offer cyber/data‑breach endorsements for smaller limits. Heavier‑duty needs may call for a standalone cyber policy.
What documents will I need?
Business info (address, square footage, construction year), inventory/equipment estimates, and any prior insurance/loss runs are helpful.
Insurance products, features, and availability vary by carrier and state. This page is for general informational purposes and does not modify coverage terms or create any binding agreement. Final terms are set by the policy and endorsements issued by the insurer.