Business Owners Policy (BOP)
For most smaller businesses, this is the right structure: general liability, your property, and lost income on one policy with one premium. We'll quote it across 50+ carriers and tell you straight if separate policies come out better.
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What is a business owners policy?
A business owners policy (BOP) bundles general liability, coverage for your own property, and lost business income into one policy with one premium. It's built for smaller, lower-risk operations, and often costs less than buying the same coverage as separate policies.
What this policy is typically built to handle.
- General liability for injuries and property damage your business causes others
- Your building, equipment, and inventory against fire, theft, and other covered losses
- Business income: what you would've earned while the place is being repaired after a covered loss
- Extra expense to relocate temporarily or speed up repairs
- Equipment breakdown, on many forms
- Claims like libel or slander tied to your advertising
Who usually carries it.
- Retail shops, restaurants, and cafés with a storefront
- Professional offices with owned or leased equipment
- Service businesses with inventory or tools on-site
- Any operation that would bleed income during a forced closure
- Tenants who own their buildout and contents inside a leased space
What it does not cover
- Workers comp. Employee injuries always need their own policy.
- Company vehicles, which generally need commercial auto.
- Professional mistakes and bad advice, which usually need errors and omissions coverage.
- Flood, which is typically excluded and placed as a separate policy.
- Wind can be excluded or limited in some coastal areas, depending on the form.
- Exact terms vary by carrier and policy. We review the exclusions against your actual operations before you bind.
The kitchen fire
Picture a small café. The owner locks up for the evening, and overnight a grease fire starts in the kitchen, spreads through the prep area, and smokes out the dining room. The fire marshal closes the building. Equipment is destroyed, and the buildout needs work before the health department will sign off.
A BOP is built for exactly this. The property side pays to repair the building and replace destroyed equipment, and business income coverage replaces a portion of what the café would've earned during the months it's dark. Without it, the owner faces the full rebuild with zero revenue coming in and rent still due.
Get a QuoteAn illustrative example, not a real claim. Every claim is decided by the insurance company under the terms of the actual policy.
What affects your cost.
No two businesses price the same. The only way to know your number is to quote it, and the quoting part is our job.
- Business type and risk classification
- Building construction and age
- Property values covered: contents, equipment, any owned structure
- Revenue and the business income period you select
- Claims history from your current and prior policies
- Location, including distance to fire protection and wind exposure
Questions we hear a lot.
Usually price and simplicity. Packaging the same coverage into a BOP often comes in below the combined cost of separate policies, and you get one renewal date, one audit, and one insurance company handling a claim that touches both liability and property. We can quote it both ways across our markets and show you the actual numbers side by side.
Each insurance company sets its own caps on revenue, square footage, and property values, and some types of operations don't fit BOP programs at all. Once you pass those thresholds, the coverage moves to a commercial package policy, which does the same job with more flexibility. If you're near the line, we place you where the terms are better, not where the paperwork is easier.
Workers comp, commercial auto, and professional liability all sit outside the BOP. Flood is typically a separate policy too, and wind can be limited depending on the form and your location. Part of what we do is map your actual operations against the exclusions before anything gets bound, so there are no surprises.
It should reflect your real monthly profit plus the expenses that keep running, times a realistic repair timeline. Underbuying here is the most common BOP mistake we see: the building gets rebuilt fine, but the income coverage runs out at month four of a six-month closure. Bring us a P&L and we'll set it off real numbers instead of a guess.
Guides that go deeper.
Coverage that often pairs with this.
- General Liability InsuranceCovers injuries and property damage your business causes to others, plus the legal defense. The policy behind every certificate request.
- Commercial Property InsuranceCovers your building, equipment, and inventory against fire, theft, wind, and other covered losses. Own or lease, the assets are yours.
- Workers Compensation InsuranceMedical bills and lost wages when an employee gets hurt on the job. Required by law in most states once you have employees.
Get your Business Owners Policy (BOP) quote.
Tell us once. A licensed agent shops it across the 50+ insurance companies we work with and comes back with real options, not a form letter.
- Fill this out. It takes a few minutes, not an afternoon
- A licensed agent shops your file across the 50+ insurance companies we work with
- Quotes come back, on average, within 24 hours²
Disclosures
- Sinai Coverage LLC is an independent insurance agency, not an insurer. Coverage is provided by the insurance companies your policy is placed with. Headquartered in Sunny Isles Beach, Florida. Serving all 50 states.
- Average across recent quote requests. Complex risks and certain coverage lines can take longer.