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Business Owners Policy Insurance - Let us find your best coverage - property and liability in one package for small businesses
A BOP bundles property and general liability for small, low-hazard businesses, and carriers check your class, square footage and revenue to see if you qualify. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Business Owners Policy (BOP) Quote Request
Applicant Information:
Have these handy
- Business class and description
- Square footage and building details
- Annual revenue and payroll
- Contents and building values
- Five years of loss runs
Related coverage
Coverage details
What Business Owners Policy coverage includes
A Business Owners Policy bundles general liability, commercial property and business income into one package, usually for less than buying them separately. It is the starting point for most small and mid-sized businesses such as offices, retail stores, restaurants and service contractors. We shop 50+ carriers and add the endorsements and separate policies your industry, contracts and lenders require.
- Building and contents - Your building, equipment, inventory and furniture.
- General liability - Customer injuries and damage to others' property.
- Business income - Lost income while you repair after a covered loss.
- Products and completed work - Claims from what you sell or work you finish.
- Optional add-ons - Data breach, employee dishonesty and equipment breakdown.
- Additional insureds - Endorsements naming landlords, clients or general contractors as your contracts require.
- Cyber add-on - Data breach response and notification costs on many BOPs.
Good to know: most BOP carriers have size limits (often under 25,000 square feet and $5 million in revenue), so larger or higher-hazard risks move to a package policy. Many leases and contracts require proof of coverage before you open or start a job.
Not covered: professional services, commercial auto, workers compensation, flood and earthquake. Each is available as a separate policy; see the options below.
Insurance Application:
Business Owners Policy (BOP)
Required forms
Business Owners Policy (BOP) Supplemental Application (PDF)
Common business supplements (add any that apply)
Commercial General Liability (PDF)
Professional Liability (E&O) (PDF)
Download, complete and email to info@societiesinsurance.com, or attach them with your quote request. More options are listed below.
Contact details
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm
Commercial insurance explained
How business insurance fits together
Most businesses need several types of coverage. A BOP handles the core property and liability exposures, and other policies cover your vehicles, employees, professional advice and data.
General liability
Customer injuries, property damage you cause, and advertising injury claims.
Commercial property
Your building, equipment, inventory, furniture and improvements.
Business income
Lost income and ongoing expenses while you recover from a covered loss.
Workers compensation
Medical bills and lost wages for injured employees. Required in most states once you have employees.
Commercial auto
Vehicles your business owns, leases, hires or that employees drive for work.
Professional liability (E&O)
Claims that your advice or services caused a client a financial loss.
Cyber liability
Data breaches, ransomware, notification costs and business interruption from cyber events.
Commercial umbrella
Extra liability limits above your general liability, auto and employers liability.
Read your contracts and leases. Landlords, clients and general contractors often require specific limits, additional insured status, waivers of subrogation and primary and non-contributory wording. Send us the insurance section and we will make sure your policy matches before you sign.
Pricing
What affects your business insurance rate
Rating factors
- Your industry and the work you actually do
- Annual revenue and payroll
- Number of employees and locations
- Building construction, age, square footage and protection class
- Prior claims and years in business
- Limits, deductibles and endorsements you choose
- Contract requirements such as additional insureds
Ways to save
- Package GL and property in a BOP instead of separate policies
- Bundle workers comp, auto and umbrella with one carrier
- Install sprinklers, monitored alarms and security cameras
- Use written safety programs and employee training
- Pay annually or with a pay-as-you-go workers comp plan
- Keep certificates from subcontractors on file
Need a certificate of insurance? We issue certificates quickly once your policy is bound. Visit our Certificates of Insurance page to request one.
Commercial options
Find the right business coverage
Start with the BOP application, then add any supplement that fits your business. Each option links to its own quote page and supplemental application.
Core coverage
Commercial General Liability
Liability protection for any business.
Get a quote Supplemental application (PDF)Equipment Breakdown
Mechanical and electrical breakdown of equipment.
Get a quote Supplemental application (PDF)Excess / Umbrella (Commercial)
Higher liability limits above your primary policies.
Get a quote Supplemental application (PDF)Employees and vehicles
Pay-As-You-Go Workers Comp
Workers comp billed with each payroll.
Get a quote Supplemental application (PDF)Employment Practices Liability
Harassment, discrimination and wrongful termination claims.
Get a quote Supplemental application (PDF)Hired & Non-Owned Auto
Rented vehicles and employees driving their own cars for work.
Get a quote Supplemental application (PDF)Professional, cyber and crime
Professional Liability (E&O)
Errors and omissions for advice and services.
Get a quote Supplemental application (PDF)Cyber Liability
Data breaches, ransomware and cyber extortion.
Get a quote Supplemental application (PDF)Directors & Officers (Private)
Management liability for owners, directors and officers.
Get a quote Supplemental application (PDF)Commercial Crime
Employee theft, forgery and funds transfer fraud.
Get a quote Supplemental application (PDF)Commercial Surety Bond
License, permit and other surety bonds.
Get a quote Supplemental application (PDF)This is a general overview. Coverage, availability and pricing vary by state, carrier and policy, and the policy itself controls. Questions? Call 800-616-3490.