A BOP bundles general liability and commercial property insurance into one streamlined, cost-effective package — built for small and mid-size businesses that want broad protection without managing multiple policies.
A BOP is designed for small to mid-size, lower-risk businesses. It packages the two most common coverages — general liability and commercial property — and can be extended with endorsements to fit your operations.
General Liability
Covers third-party bodily injury, property damage, and personal/advertising injury claims — the same foundation as a standalone GL policy.
Commercial Property
Protects your building, equipment, inventory, and furniture from fire, theft, wind, and other covered causes of loss.
Business Interruption
Helps replace lost income and pay ongoing expenses when a covered loss forces you to temporarily close or relocate.
Crime Coverage
Covers losses from employee dishonesty, forgery, theft, and robbery — often included or available as an endorsement.
Equipment Breakdown
Pays to repair or replace boilers, electrical systems, computers, and other equipment that fails due to mechanical or electrical breakdown.
Optional Endorsements
Add cyber liability, hired/non-owned auto, professional liability, or data breach coverage to tailor the policy to your business.
A BOP is built for small to mid-size businesses with physical locations, modest liability exposure, and a need for both property and liability protection. Eligibility depends on your industry, size, and risk profile.