Business property
Buildings, tenant improvements, inventory, tools, equipment, and related property, depending on the policy.
Businessowners policy
A businessowners policy can combine core property and liability protection when the business fits.
For eligible small businesses, a BOP can be a practical starting point for property, liability, and related protection. The first step is confirming what the business does, what it owns, and what a landlord, lender, or customer may require.
BOP quote start
What does the business need to protect or prove right now?
A lease, contract, new location, property purchase, renewal, or coverage comparison can tell us whether a BOP is a sensible starting point.
One policy can cover several core needs
A BOP is a fit question before it is a price question.
Industry, revenue, property values, locations, operations, and loss history help determine whether an available BOP program fits, or whether separate commercial policies make more sense.
What a BOP may bring together
Package property and liability without forcing every business into the same box.
General liability
Eligible third-party injury and property-damage claims tied to business operations.
Business income
Certain lost income and continuing expenses after an eligible covered loss.
Business basics
Describe the business and the property or liability at risk.
- What the business doesPrimary operations, services, products, and customer interaction.
- Where and how it operatesLocations, property, equipment, employees, vehicles, and subcontractors.
- Financial basicsApproximate revenue, payroll, property values, and the requested effective date.
Related coverage
BOP and small-business markets
We review package and small-business markets that fit the operation.
Market access varies by state, product, risk details, eligibility, and underwriting. A listed company is not a promise of a quote, price, placement, or coverage.
Businessowners policy questions
Questions small-business owners ask about BOP quotes.
Can you compare BOP prices from more than one insurance company?
Yes. We can compare available BOP markets based on the business operations, property, location, revenue, loss history, and carrier eligibility.
Is a BOP the same as general liability?
No. A BOP can combine general liability with eligible business property and other features, depending on the carrier program.
What if my business also has employees or vehicles?
Tell us about them. Workers’ compensation and commercial auto may need to be quoted separately alongside the BOP.
Start your BOP quote