Business Owners Policy
A BOP packages the two covers most small businesses need anyway — general liability and property — into a single policy. Carriers price the bundle below the two bought apart, and you get one renewal date and one bill instead of two. It suits businesses with a premises and ordinary risk; larger or unusual operations are usually better served by separate policies.
Coverage that actually covers.
- General liability included
- Building and contents cover
- Business interruption income
- One renewal, one bill
Liability
Third-party injury, property damage and advertising injury claims.
Property
Your building, stock, equipment and fit-out.
Interruption
Lost income while you cannot trade after a covered loss.
General liability and property coverage in one policy
A business owners policy, or BOP, bundles two coverages many small businesses need into a single policy. General liability helps when someone outside your business says you injured them or damaged their property. Commercial property coverage helps repair or replace your building, equipment and inventory after a covered loss, like a fire. What a BOP usually brings together:
- General liability, for injury and property damage claims from other people.
- Commercial property, for your building, equipment, furniture and inventory.
- On many policies, business income coverage for income lost while you can't operate after a covered loss.
- One policy and one renewal date instead of two.
Who a BOP may make sense for
Small and mid-sized businesses
BOPs are generally designed for smaller businesses. Each insurance company sets its own limits on size and type.
Businesses with a space or equipment
A shop, office, restaurant or studio with property worth protecting.
Lower-risk operations
Offices, retail stores and many service businesses often qualify. Higher-risk work may need separate policies.
Owners who want simpler paperwork
One policy can be easier to manage than two.
What a BOP typically doesn't include
Workers' compensation
Employee injuries need a separate workers' comp policy.
Commercial auto
Vehicles used for business need their own commercial auto policy.
Professional liability
Errors in professional advice or services need separate coverage.
Flood and earthquake
These are commonly excluded and may need separate coverage.
Eligibility is up to the insurance company
Whether a BOP fits your business, and what it covers, depends on the insurance company's rules, the policy's terms and, in some cases, your state. Your advisor can compare a BOP with separate policies so you can see both.
Business insurance, explained first
More than one option
We compare policies from more than one insurance company, so you can see options side by side instead of a single offer.
One dedicated advisor
The same licensed advisor helps you from your first question through your renewal.
Answers before paperwork
Learn what a policy is for and ask your questions before you share details about your business.
Local to the DMV
Based in Rockville, Maryland, and licensed in MD, VA, DC, OH, NC and PA.
Answers, in plain English.
- Is a BOP cheaper than buying the policies separately?
- Usually yes — carriers discount the package. We quote it both ways so you can see the difference for your business.
- Does a BOP include workers compensation?
- No. Workers compensation is a separate policy and is required by law in most states once you have employees.
- Is my business eligible?
- A BOP suits most small and mid-sized businesses with a premises and ordinary risk. If yours falls outside the carrier appetite, we quote general liability and property separately.
Pair it with
All coverage →Commercial Auto
Coverage for vehicles used for business — from a single van to a fleet.
ExploreGeneral Liability
Protects your business from third-party bodily injury, property damage, and ad-injury claims.
ExploreWorkers' Comp
Mandatory in most states for employees — medical, wage replacement, and disability.
ExploreReady to secure your Business Owners Policy?
EnsuranceMax LLC is a licensed insurance agency (NPN 14306621) authorized to operate in (MD), (VA), (DC), (OH), (NC), & (PA).