Business Owner's Policy
A business owner's policy bundles general liability and commercial property into one policy. Most versions also include business interruption coverage, which is the piece new owners most often discover they needed after the fact.
When It Comes Up
A retail shop, café, office, or small service business opening its first location. It's the usual starting point rather than assembling coverage piece by piece.
What It Doesn't Do
A BOP is not a complete program. It doesn't include workers' compensation, commercial auto, professional liability, or cyber. Those are added separately.
Who Qualifies
Eligibility is set by the carrier, not by you. Businesses above certain size, revenue, or square footage thresholds get declined, and some classes of work are excluded from BOP programs entirely.
Who Usually Needs It
Small businesses with a location, inventory or equipment, and customers who visit.
Questions People Ask
What's the difference between a BOP and general liability?
General liability is one coverage. A BOP packages general liability together with property and usually business interruption.
Can contractors get a BOP?
Sometimes, depending on the trade and the carrier. Many contractor classes are written outside BOP programs. See the trade pages for how those are usually built.