Business owners policy (BOP) for California small businesses
Property, liability and business income bundled into one policy — usually the best value for shops, offices, wholesalers and service businesses.
More protection for less than buying it piece by piece
A BOP combines general liability with commercial property and business income (loss of income) coverage in a single package. Because carriers bundle them, a BOP usually costs less than buying each coverage separately.
We compare BOPs from multiple carriers and add the endorsements that matter for your business — like equipment breakdown, spoilage, employee dishonesty or hired and non-owned auto.
Coverage built around your business
General liability
Third-party injury and property damage claims.
Building & contents
Your building (if owned), inventory, furniture, fixtures and equipment.
Business income
Lost income and ongoing expenses if a covered loss shuts you down.
Equipment breakdown
Mechanical and electrical breakdown of equipment (often optional).
Crime & theft
Options for employee dishonesty and money and securities.
Data breach & cyber
Optional coverage for data breach response costs.
Is this coverage right for you?
- Retail stores and boutiques
- Offices and professional firms
- Wholesalers and distributors
- Small restaurants and cafés
Business Owners Policy (BOP) FAQ
What does a BOP not cover?
Workers' compensation, commercial auto and professional liability are separate policies.
Is my business eligible for a BOP?
BOPs are designed for small to mid-size businesses with lower-hazard operations. Higher-risk operations may need a custom package, which we also place.
Can I add business income coverage?
Business income is usually included in a BOP; we help set the right amount and waiting period.