A business owner’s policy, or “BOP”, is a complete package policy for small to mid-size businesses. A BOP combines both the commercial property coverage and commercial liability coverage into one policy. A BOP is generally less expensive than if the policies were purchased through separate insurance policies.

A BOP typically includes:

  • Property Insurance: This includes the insured’s buildings and business personal property
  • Business Interruption Insurance: One of the distinguishing characteristics of a BOP is that most automatically include business income and extra expense coverage on an actual loss sustained basis.
  • Liability Insurance: This provides a coverage scope similar to that provided in the Commercial General Liability section of a package policy.
  • Most BOPs also can include Crime coverage, Hired Auto and Non-owned Auto coverage, Protective Safeguard credits


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