Business Owners Policy
Business Owners Policy Insurance for Small Businesses
A Business Owners Policy, often called a BOP, can help qualifying small businesses request combined coverage options for liability, business property, and everyday business risks through one simplified quote process.
What is a BOP?
One policy, built for many small businesses
A Business Owners Policy is often designed for qualifying small businesses. It may combine general liability and business property coverage into one policy, subject to carrier underwriting, state availability, business type, and eligibility.
BOPs are commonly used by small retailers, offices, salons, cafés, and professional service businesses that want a simpler way to request liability and property protection together.
What a BOP can include
- General liability
- Business personal property
- Building coverage if applicable
- Business interruption / business income if available
- Equipment or inventory coverage depending on policy terms
- Optional endorsements depending on carrier and business type
Exact coverage options, limits, deductibles, and endorsements vary by carrier, state, business type, and eligibility.
Who may need a BOP
Businesses that often request BOP options
Not seeing your business type? Many small businesses with property, inventory, or equipment may be a fit. Contact us and we'll help you explore available options.
General Liability
General Liability may focus mainly on liability risks — third-party bodily injury, property damage, and related claims arising from your operations.
Business Owners Policy
A BOP may combine liability with business property coverage for qualifying businesses — useful when there's inventory, equipment, leased space, or owned property to consider.
The right option depends on the business type, location, property, contracts, and carrier eligibility.
Information needed
What helps us prepare a BOP quote
Business basics
Business name, address, industry, years in business, revenue, employees.
Location & property
Owned vs leased, square footage, building type, equipment, inventory, and property values.
Liability & contracts
Desired limits, certificate needs, additional insured requests, and any prior claims.
Why request BOP options with Quick & EZ
An independent agency that works for you
- Independent — we work with multiple carriers and shop options for you.
- Plain-language guidance from real people, not a 1-800 line.
- Bilingual support — Hablamos Español.
- Certificates of insurance support after the policy is bound.
- Ongoing service for endorsements, renewals, and document requests.
Talk to a person
Prefer to speak with someone first?
Our commercial team can walk you through what's commonly needed for a BOP request.
FAQ
Business Owners Policy questions
What is a Business Owners Policy?
A BOP is often designed for qualifying small businesses. It may combine general liability with business property coverage into one policy, subject to carrier guidelines, eligibility, and state availability.
Is a BOP the same as General Liability?
No. General Liability typically focuses on liability risks. A BOP may combine liability with business property coverage for qualifying businesses. The right option depends on the business type, location, property, contracts, and carrier eligibility.
Does every business qualify for a BOP?
No. BOP eligibility depends on industry, size, operations, location, property characteristics, claims history, and individual carrier underwriting guidelines.
Can a BOP include business property coverage?
Many BOPs may include business personal property and, when applicable, building coverage. Exact coverage, limits, and endorsements vary by carrier and policy form.
Can I request certificates with a BOP?
Yes. Once a BOP is bound, certificates of insurance can typically be requested for clients, landlords, and contract requirements.
What information do I need for a BOP quote?
Generally: business name and address, type of business, years in operation, revenue, employees, location and property details, equipment and inventory values, desired liability limits, claims history, and any current coverage details.
Can home-based businesses request a BOP?
Some carriers may offer BOP-style coverage for qualifying home-based businesses. Eligibility and coverage options vary by carrier and state.
Does submitting a BOP quote request bind coverage?
No. Submitting a request does not bind, change, cancel, or create coverage. Coverage is not effective unless confirmed in writing by the agency or insurance carrier.
Ready when you are
Ready to request BOP options for your business?
Tell us about your business, location, and coverage needs. Our team will review your request and help guide you through available options.
Please note
- Coverage options may vary by carrier, state, underwriting, eligibility, and availability.
- This page provides general information only and does not constitute legal, financial, or insurance advice.