Illustrated main street with a striped awning shop and a bench on one side, a flower stand with purple flowers on the other, and the town receding into the distance

Business owner’s policy

the basics, bundled.

Liability, property and lost income in one policy, usually for less than buying them apart. We shop the market and stay with you through the claim.

get started

MARKETS WE PLACE THROUGH

one policy, most bad days.

Trips, leaks, fires and closing for repairs. Tap around the shop to see what’s covered, and what isn’t.

Illustrated clothing boutique with a mannequin in the window, racks and shelves of clothes, a checkout counter, a water heater in the back closet, a rug with a curled corner and a bicycle out front

covered

A customer trips on the rug

Their medical bills and your legal costs.

covered

The water heater floods the back

Sudden leaks, plus the stock they ruin.

covered

A fire ruins your stock

Replaced, so you can reopen.

usually covered

You close for repairs

Lost income while you’re shut for repairs.

covered

A customer trips on the rug

Their medical bills and your legal costs.

Examples. Your policy sets the details.

bad day? make one call.

We build the claim, send it in and follow up until it’s closed. You get back to work.

1. Call us
You talk to your advisor, not a call center.
2. We build the claim
Photos, bills and the policy, put together and sent in.
3. We push it through
We follow up with the carrier until it’s settled.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Harbor Boutique

your options

$1,450a year, liability and property

3 options, same coverage

Option A$1,450

Option B$1,620

Option C$1,890

Clothing storeAustin, TX$800K revenueNo claims

compare your options

same
coverage,
best price

get started Already insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

1. Send your policy
Your current policy is enough. No forms.
2. We compare
Coverage, service and price, side by side with today’s options.
3. You choose
Stay or switch. If you switch, we handle the paperwork.

get started

Put them on one program and we shop them together at every renewal.

good to know.

Straight answers about business owner’s policies.

What does a business owner’s policy cover?

A business owner’s policy (BOP) bundles general liability and commercial property, and usually adds business income coverage. It covers customer injuries, damage to your building and belongings, and lost income after a covered loss. It’s typically priced lower than buying the same coverage separately.

Who qualifies for a business owner’s policy?

BOPs are usually designed for small to midsize businesses with lower-risk operations, like shops, offices, restaurants and some contractors. Carriers typically look at revenue, square footage and industry. Higher-risk businesses may need separate policies instead.

Is a BOP cheaper than buying policies separately?

Usually. Carriers price a BOP as a package for lower-risk small businesses, so it typically costs less than buying general liability, property and business income one by one. The tradeoff is less flexibility, and some businesses outgrow a BOP as they add locations or risk.

Does a BOP include workers’ comp?

No. Workers’ comp is always a separate policy. Most states require it once you have employees. A BOP covers liability to customers and your property; workers’ comp covers your employees’ injuries on the job.

Can I add coverage to a business owner’s policy?

Usually, yes. Common add-ons include equipment breakdown, cyber, hired and non-owned auto, employee dishonesty and higher limits for valuable items. Professional mistakes, employee injuries, work vehicles and flood still need their own policies.

Insurance words, in plain English: business income and extra expense · coinsurance · replacement cost vs actual cash value · hired and non-owned auto