Covering the basics
shouldn’t take three policies.
A Business Owner’s Policy — a BOP — bundles general liability, property, and business income into one. It’s usually the simplest, and often the most cost-effective, way for a smaller business to cover the essentials. We’ll tell you honestly whether it’s the right fit.
- TodayProof of insurance · landlordMercer Studio LLC · lease packet sent
- TodayProperty values · refreshedEquipment + inventory · annual check
- YesterdayBusiness income worksheet · updatedPeriod of restoration · 6 months
- May 19BOP bundle reviewedGL · property · business income, one policy
First policy, or trading up from a patchwork?
We'll explain what a BOP bundles, what it leaves out, and whether it's the right place to start — plain English, no pressure.
- General liabilitySomeone gets hurt, something breaks.
- PropertyYour furniture, inventory, equipment, fixtures.
- Business incomeIncome replaced if a covered loss pauses you.
Already piecing it together with separate policies? Upload what you've got. We'll see whether a BOP would cover it for less — or tell you straight if you've outgrown one.
- General liabilityRenews Mar
- Commercial propertyRenews Jul
- Business income riderRenews Nov
Three coverages, working as one.
A BOP rolls the three things almost every business needs into a single policy — so there’s less to buy, less to track, and less that can fall through the cracks.
If someone gets hurt or their property is damaged because of your business, it helps cover the claim and the cost to defend it.
Your furniture, inventory, equipment, and fixtures, protected against covered losses like fire or theft.
If a covered loss forces you to pause, it helps replace the income you would have earned while you get back on your feet.
What’s included and how much varies by policy form, carrier, limits, and endorsements. We review the wording before recommending anything.
Built for the business that wants it simple.
If a few of these sound familiar, a BOP is often where a smaller business starts — and we’ll tell you honestly whether it fits yours.
You run a smaller, lower-hazard business — an office, shop, studio, or storefront.
You need liability and property coverage, and you'd rather buy them together.
You lease a space, and the landlord wants proof of insurance.
You'd want income covered if a fire or theft shut you down for a while.
You want one straightforward policy to start with, not a stack of separate ones.
What a BOP leaves for other policies.
A BOP covers a lot, but not everything. Here’s what lives in its own policy — and what usually picks it up.
Each line links to the coverage page that usually responds. None of these are recommendations by themselves — what you need depends on the business and the contracts.
Where a BOP earns its keep.
A boutique needs liability, contents, and lost-income coverage before signing a lease.
A small professional office wants property and liability handled in one policy.
A studio's landlord won't finalize the lease until there's proof of coverage.
A growing business starts with a BOP, then adds workers' comp and auto as it hires and buys vehicles.
What a BOP costs — and what moves the number.
A BOP is often more affordable than buying the pieces separately — that’s a big part of the appeal. The price comes down to a handful of factors, and two of them are easy to get wrong on your own: what your property is actually worth, and how much income you’d need to protect. We help you get those right, so you’re not over- or under-covered.
- What your property is really worth to replace — furniture, inventory, equipment.
- How much income to protect if a covered loss makes you pause.
- The proof of insurance your lease or landlord asks for, if you're renting a space.
- How the BOP connects to workers' comp, auto, cyber, and umbrella as you grow.
These are what underwriters look at. None of them give you a quote on a landing page — but they tell you what we’ll need to size it.
No guessing games and no fake instant quotes. We get the numbers right, check the market, and show you what actually drives the price.
We make sure simple doesn’t mean missing something.
A licensed broker — sizing the numbers in plain English and keeping the package current after bind. Insurance that feels handled.
We check whether a BOP genuinely fits — or whether a custom package is the smarter call.
We size your property and business income limits in plain English.
We connect the BOP to workers' comp, auto, cyber, and umbrella as you need them.
We keep the package current so it doesn't fall behind as you grow.
The BOP questions we hear most.
It depends. Eligibility comes down to industry, revenue, location, property values, operations, and carrier appetite — and we check it for you. Many small offices, shops, studios, and service businesses are common candidates, but the only honest answer is to look at your specific situation.
Sometimes a BOP is a strong foundation, sometimes it isn’t. It typically covers general liability, property, and business income — but it usually doesn’t replace workers’ comp, commercial auto, professional liability (E&O), cyber, or specialty coverage. We help you see what falls outside the BOP’s edges so you can decide what else, if anything, you want alongside it.
Many BOPs include business income coverage that can help replace earnings when a covered property loss forces you to pause. The waiting period, limits, and covered causes of loss vary by policy — we walk through the wording with you before anything is bound.
Sometimes, but as a business grows in revenue, locations, payroll, or operational complexity, a custom commercial package often becomes a better fit than a BOP. We check what makes sense for your specific business.
What we look at alongside a BOP.
Let’s see if a BOP’s your simplest start.
Tell us a little about your business and your space, see your options, and we’ll tell you honestly whether a BOP is the right fit.
- 01Check whether a BOP genuinely fits your business
- 02Size property and business income limits in plain English
- 03Handle the proof of insurance your lease asks for
- 04Connect workers' comp, auto, and cyber as you grow