Business Owners Policy (BOP)
General liability and property protection in one policy.
A Business Owners Policy (BOP) helps cover your business against claims from things like fire, theft, or other covered disasters, and against claims arising from the operation of your business — including bodily injury or property damage.
Many owners believe a general liability policy covers their own losses as well as their clients' — but general liability does not protect your own business property. A BOP does.
Coverages
Employees
Workers can injure customers or cause property damage. A BOP provides protection for them and your business.
Lawsuit protection
If a customer slips and falls in your store, a BOP can help pay their medical expenses and your legal costs.
A physical location
A BOP helps cover businesses run from a home, a rented or owned office, store, or garage.
Business assets
Digital property, equipment, furniture, cash, and inventory are hard to replace without the right coverage.
Private customer data
If someone steals or loses personally identifiable information, a BOP can help pay costs like notifying affected customers.
Frequently asked questions
What is a Business Owners Policy (BOP)?+
A BOP bundles general liability and commercial property into one policy, covering claims from fire, theft, lawsuits, and the operation of your business.
Doesn't general liability cover my own property?+
No — general liability protects against claims from others; it does not cover your own business property. A BOP adds that.
What does a BOP protect?+
Employees, lawsuit exposure, a physical location, business assets, and private customer data.
Ready to get protected?
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