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If your business is classified as low-risk, you may be eligible for bundled Property Insurance and General Liability Insurance coverage in a specialized, affordable policy known as a Business Owner's Policy, or BOP.

In some cases, BOP insurance also offers business interruption coverage, which provides you with income and helps cover the expenses you incur as a small-business owner should your business suffer a covered property loss and is forced to close down temporarily.

Talk with one of insureon's small business insurance experts to verify your eligibility and find the Business Owner's Policy that fits your work!


BOP Insurance Explained

The general liability coverage included in a Business Owner's Policy offers protection in the case of lawsuits that claim your business is responsible for property damage or bodily injury. Such lawsuits tend to be costly, even if your business is not ultimately found liable.

In the process of defending yourself, you may be responsible for paying lawyer's fees, court costs, witness fees, police report costs, fines, judgments and more. These expenses can easily top tens of thousands of dollars. The General Liability Insurance included in BOP insurance protects your financial reserves by covering those expenses, and in some cases even covers any interest that accrues during the course of the lawsuit.

The BOP's property coverage protects your business property against loss or damage. It also protects property in your care, control, or custody, even if it belongs to your clients, associates, or others. In the event that covered property is harmed or lost, the BOP provides funds for the property's replacement value, rather than its depreciated value.

This means that, with BOP insurance in place, you have the means to replace property quickly so you can get back to serving your clients ASAP.

BOP = General Liability Insurance + Property Insurance

Key Details About Your BOP

At insureon, our goal is to protect your business from the cost and distraction of property and bodily injury lawsuits and to insure your business assets against damage and loss. Here are some key details about how we achieve both of those goals through your BOP.

Property claims

Your business property – including furniture, equipment, inventory, and supplies – is typically covered at your own business location and when it is away from your office. Common property claims include theft, accidental damage, and fire. If, for example, your business property should be damaged or destroyed due to fire, explosion, or lightning, your BOP coverage would help you replace it, whether you own or rent your office or other business space. Additionally, if your business accidentally causes a fire in your office space, damage to other tenants' space and contents would also be covered. See our Property Insurance page for more information.

General Liability Claims

In addition to protecting your business against the high costs associated with property and bodily injury lawsuits, the general liability coverage of your Business Owner's Policy may also protect your small business against completed operations liability, contract liability, personal and advertising injury, and liquor liability. See our liability insurance page for details.

Business Interruption Insurance

Some policies may also include insurance to reimburse your business for lost income and extra expenses your business may incur as the result of a covered property claim. For example, if a fire in your office forces you to shut down your business for a month while you find and move into temporary office space, you may be able to receive reimbursement for lost income as well as costs associated with your temporary relocation.


Business Protection Tips

Find out if your business is eligible for a BOP.

Not all businesses qualify. If your business is involved in high-risk operations or is highly specialized, you may need higher liability coverage limits than a business owner's policy can provide. Businesses that occupy large premises or need more than 12 months of business interruption coverage may also need a different approach to coverage. Complete our application, and we'll match your needs to the right coverage for your business.

Consider adding Umbrella coverage.

If you require protection beyond the limits of the BOP, you can purchase additional coverage in increments of $1 million through Umbrella Insurance (also known as Excess Liability Insurance). Most business owners considering umbrella coverage find that such protection is more affordable than they expected. Learn the details from an insureon agent.

Find property protection that fits in your budget.

Most property policies insure your business assets for their full replacement value so you can buy new furnishings or equipment in the event of theft or loss. However, if you think you could easily replace your assets with second-hand goods, you may be able to save on premiums by choosing to insure your property at its current value. If you need help deciding what's best for your business, ask your agent for assistance.


How Insureon Makes Buying BOP Insurance Easier

  • Coverage in as little as 15 minutes. From the time you start your application, you can have an online certificate of insurance in as little as 15 minutes.
  • Multiple options. You'll receive several quotes from trusted insurance carriers, and you choose the one that makes the most sense for your business.
  • Personalized guidance. Have your questions answered by an expert agent who has intimate knowledge of your industry and its insurance needs.
  • Customized service.We make sure you get an insurance plan tailored to your needs. No extra policies or hidden fees, just the coverage that will protect your business.