The Smart, All-in-One Policy for Small Business Owners
A b Business Owners Policy — commonly referred to as a BOP — is a package policy designed specifically for small to medium-sized businesses. BOPs are mainly targeted toward low-risk business types and offer a wide variety of coverages for the business owner, all in one convenient policy.
We will calculate your exact liability needs, pinpoint the best benefits package, help you navigate workers compensation laws, and so much more. If your business fits the low-risk profile, you may be eligible for a BOP — and we'll help you find out.
Small to Mid-Sized Operation
BOPs are designed for businesses that don't require the extensive customization of a full commercial policy.
Low-Risk Industry
Service businesses, offices, restaurants, and retail stores typically qualify as low-risk and are ideal BOP candidates.
Physical Business Location
Your business has a physical location — owned or leased — that requires property protection.
Customer-Facing Operations
Your business interacts with customers or third parties, creating liability exposure that needs to be covered.
A Handy Tool That Covers More Than You Think
A BOP is a very handy tool for a small to medium-sized business because it can cover a number of different aspects of your operation — all under one single policy instead of keeping up with multiple different policies.
Real Property
Your owned or leased building and permanent structures.
Business Personal Property
Desks, chairs, computers, and all business equipment.
General Liability
Third-party bodily injury, property damage, and legal defense.
It Saves You Time
Most business owners are extremely busy. Combining all your core coverages into one policy means fewer renewals, fewer policies to manage, and one agent to call when you need help.
It's More Cost Efficient
Bundling property and liability coverage into one BOP is more affordable than assembling and purchasing multiple individual policies — you get more coverage for less.
It's Highly Customizable
There are many different types of coverages that can be endorsed onto a BOP — from loss of business income to outdoor signage coverage — so your policy grows with your business.
Optional Endorsements You Can Add
Ready to Find Out If You Qualify for a BOP?
If you are interested in receiving a BOP quote, please call us today at +1 (201) 920-1310 and we will be more happy to assist you. We'll assess your business, confirm your eligibility, and get you a competitive quote — the same day.