Business Owners Policy (BOP)
A Business Owners Policy (BOP) bundles general liability and commercial property into one cost-effective policy — often with business interruption coverage too. For many small and mid-size businesses, a BOP is cheaper than buying those coverages separately.
What's in a BOP
- General liability — third-party injury and property damage
- Commercial property — your building contents, equipment, and inventory
- Business interruption — lost income if a covered event shuts you down
Who qualifies
BOPs are aimed at small and mid-size, lower-hazard businesses — offices, retail, many service firms, and some restaurants and contractors. Larger or higher-hazard operations are often written on separate, tailored policies.
BOP vs. separate policies
A BOP is convenient and usually cheaper, but a packaged form can be less flexible than standalone policies. As you grow or your risk gets more specialized, separate, tailored coverage may fit better. An advisor can compare both.
What a BOP does NOT include
Commercial auto, workers' compensation, and professional liability are separate — a BOP doesn't replace them.
Wondering if a BOP is right for your business?
FAQ
What's the difference between a BOP and general liability?
General liability is one coverage (third-party injury and property damage). A BOP bundles general liability with commercial property and often business interruption.
Does a BOP include workers' comp?
No. Workers' compensation, commercial auto, and professional liability are separate policies from a BOP.
Who qualifies for a BOP?
Generally small to mid-size, lower-hazard businesses. Larger or specialized operations are often better served by separate, tailored policies.
General information from Focus West Insurance Solutions (CA Lic. #0M32679), not coverage advice; terms vary by carrier and state. Related: general liability · BOP in the glossary · talk to an advisor.