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When you have a business, you need multiple protections: property, liability, income, and operations. Managing separate policies can be complex, costly, and leave coverage gaps. A BOP bundles General Liability, Commercial Property, and Business Interruption at a discounted rate — designed for small to mid-sized businesses.
What's Covered?
A clear breakdown of every protection layer included in your policy.
Commercial Property
Covers your physical business assets on a Special Form basis (open peril) — whether you own or lease the space.
General Liability
Same protection as a standalone CGL — bodily injury, property damage, products/operations, and personal & advertising injury claims by third parties.
Business Interruption (Income)
If a covered loss forces you to suspend operations, replaces lost net income and pays continuing operating expenses (rent, payroll, loan payments) until you're back up.
Common Endorsements
A BOP isn't rigid — it adapts to your industry with optional add-ons.
Important to Know
A BOP doesn't replace everything. Workers' compensation, commercial auto (owned vehicles), professional liability (E&O), and employee benefits are sold separately. BOPs are also designed for businesses under specific size thresholds — larger operations need a Commercial Package Policy (CPP).
Our Approach
We don't just assemble packages. We analyze your business, identify real risks, and adjust each coverage within the BOP.
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As an independent agency, we compare multiple carriers to find the best coverage for your needs.