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What is Business Owners Policy (BOP) insurance?

A Business Owners Policy (BOP) provides much of the basic insurance many businesses need including general liability insurance, business property insurance, and business interruption coverage. A BOP makes it easy for businesses to add other types of coverage they may require.

What does BOP insurance cover?

A BOP covers damage to your business property from things like fire and weather events. It also offers protection against thefts. Another thing a BOP pays for is medical expenses if a customer, client or passerby is injured because of an accident on your business property. It will also cover repairs to a client’s property if you or someone who works for you damages it while doing work in their home or business location.

Learn more at BOP Insurance: What It Is, What It Covers, & Cost

Who needs BOP insurance?

If you own a business property, have customers, clients or passers by in or near your workplace, or work in the homes of your clients, it’s probably a smart idea to get a Business Owners Policy. It could also be worthwhile if you work at home, because a homeowners policy won’t cover things like business equipment, inventory, and other company assets if they’re ever stolen or damaged by a fire or weather event.

Only small businesses in all industries with $10M in annual revenue or less, or having less than 100 employees are eligible for BOP insurance.

How much does BOP insurance cost?

A small business can expect to pay between $500 to $2,500 a year for a BOP policy.

The price varies and depends on many factors including the size of your business property and number of locations, the industry you work in, number of people who visit your operation, value of customer property you work around, amount of business equipment coverage you need, and more.

BOP insurance companies

Business Owners Policy (BOP) is a very popular coverage among small businesses. Many insurance companies offer this coverage. 

We recommend the following 5 companies: 

  • CoverWallet 
  • Chubb 
  • Travelers 
  • AmTrust Financial Service 
  • Vouch Insurance 

Learn more at the Best Business Owners Policy (BOP) Insurance Companies

Why buy BOP insurane from BravoPolicy?

Great question! Here are three good reasons:

  1. You’ll probably pay less for your BOP insurance with BravoPolicy. Our customers save 20% on average. 
  2. We can get your small business covered in about 10-15 minutes. 
  3. You can manage all of your business insurance needs through our online portal. No paperwork needed. No need to wait on the phone for hours to speak to customer service.  

BOP insurance FAQs

Are there things a BOP doesn’t cover?

Yes. It doesn’t protect against business errors, product related issues, or data breaches and hacks. It also doesn’t cover accidents that happen when you or an employee is driving for work reasons. A BOP makes it easy for you to add coverages for these and other things.

Does a BOP cover employee injuries?

No, it only covers injuries to customers, clients, and passers by that happen on your business property. You will need workers’ compensation insurance to cover employee injuries.

Will a BOP protect against business related mistakes made by me or my employees?

No. You will need errors and omissions (E&O) insurance or professional liability coverage for that.

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