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Business owners policy (BOP)

Property and liability together for your small business

A business owners policy brings property and general liability coverage together for eligible small businesses. Start the conversation with what you do, where you work and the coverage you already have.

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What it usually covers

  • Your business property. Coverage for a building you own, if included, and business contents such as equipment, furniture and inventory.
  • General liability. Help with covered claims that your business caused injury to someone else or damaged their property.
  • Business income and extra expense. Help with lost income and certain extra costs while recovering from covered physical damage that interrupts operations. Check the waiting period and how long coverage lasts.
  • Optional equipment breakdown coverage. Ask about adding protection for mechanical or electrical breakdowns. Do not assume it is included.
  • Other add-ons to discuss. Depending on your work, ask about employee dishonesty, outdoor signs or spoilage of temperature-sensitive stock.

Who it is for

A BOP is made for small, main-street businesses, such as a shop, a barbershop or an accountant's office. Insurance companies set limits on size and type of business, so we check the fit before we quote.

Rent your space? Start with the equipment and stock you need to insure, and bring your lease so we can review your insurance responsibilities.

Have a small light-industrial unit? Tell us what you make, store or repair. More specialized operations may need a commercial package or separate policies rather than a BOP. Larger businesses may also need a more tailored package.

We look at your property and your liability together, in one review. As part of every quote, we review the current policy and coverage documents you provide.

What to have ready

Start with what you have. These details help us understand the business before discussing coverage.

  • A short description of what you sell, make, store or do.
  • Your business address, space size and whether you own or rent.
  • An equipment and inventory list with estimated replacement costs.
  • Estimated annual sales and payroll.
  • Your lease's insurance requirements, if you rent.
  • Your current policy, if you have one.

Common questions

Is a BOP the same as general liability? (show answer)
No. General liability addresses covered liability claims. A BOP combines that protection with property and usually business income coverage.
Can I consider a BOP if I rent my space? (show answer)
Yes. Your business may still have equipment, furniture or inventory to insure. Review the lease and the policy together to identify which property needs coverage.
Does every small business qualify? (show answer)
No. Some operations need more customized coverage. Tell us about your work before assuming a BOP fits.
Does a BOP replace workers' compensation or business auto? (show answer)
No. A BOP typically does not include workers' compensation, commercial auto or professional liability coverage. Discuss those needs separately.

Let's look at your business and your coverage

Tell us about your space and daily work, and share your current policy if you have one.

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We review your request and contact you.

Sources (3)

  1. Commercial Insurance Guide - California Department of Insurance. Accessed Nov 1, 2026.
  2. What does a business owners policy (BOP) cover? - Insurance Information Institute (Triple-I). Accessed Nov 1, 2026.
  3. Small Business Property Insurance - Insurance Information Institute (Triple-I). Accessed Nov 1, 2026. This overview discusses an older BOP form; used only for general coverage categories and questions to ask, not current limits or form-specific promises.