Business Owners Package (BOP)

Business Owners Package policy, commonly called a “BOP” contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.

Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers’ compensation, professional liability, or business vehicle coverage.

Driven less than 7,500 miles per year.
Driven less than 5,000 miles per year.
Used for business.
None of the above.
Driven less than 7,500 miles per year.
Driven less than 5,000 miles per year.
Used for business.
None of the above.
$20,000 per person/$40,000 per accident
$100,000 per person/$300,000 per accident
$250,000 per person/$500,000 per accident (recommended)
$100,000
$200,000
$250,000
$5,000
$10,000
$500 deductible
$1,000 deductible
$500 deductible with waiver
$1,000
$30 per day/$900 maximum
$50/per day/$1,500 maximum
No Coverage
$50 per disablement
$100 per disablement
No Coverage
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