Small Business Owner’s Policy

The best protection for your business.

For over 50 years we’ve worked with companies, both big and small, creating coverage platforms to protect their assets. We begin by analyzing your current insurance program. We then work with top rated carriers to provide a variety of options to suit your business.


Business Owners insurance, also known as BOP insurance, is a policy that combines both property and liability coverage into one package. In addition, a BOP often includes policy enhancements which provide coverage for Employee Dishonesty, Employment Practice Liability and even Cyber in one package. It’s popular among a variety of small and medium-sized businesses such as restaurants, wholesalers, retail stores and even some contractors.

BOP has two primary coverages:


Provides coverage for commercial buildings and the movable property owned by and used for the business – referred to as business personal property. It can also pay for other things like debris removal, loss of income and pollution cleanup as part of a covered loss.


The liability coverages available on a BOP are the same as those on a general liability policy. This includes protection against liabilities like customer injury and property damage, advertising injury, and product-related claims.

What’s typically excluded?

  • Injuries to your employees are not included in BOP coverage. Be sure you include Workers Compensation when shopping for insurance.
  • Earthquakes and flooding are also typically excluded. Contact your agent to know what your policy covers.

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