Coverage
Business Owners Policy (BOP)
A BOP packages general liability with commercial property and business income for eligible small and mid-size businesses, often at a lower cost than buying the pieces separately.
What a policy usually includes
- General liability
- Building, contents, and equipment
- Business income and extra expense
- Equipment breakdown and spoilage options
- Optional cyber and employment practices endorsements
What to watch for
- Eligibility depends on class of business, square footage, and revenue.
- Business income limits should reflect a realistic rebuild and downtime period.
- Not every operation qualifies — some need a monoline liability and property program.
Related coverage
Kriener Agency is a licensed insurance agency. Coverage descriptions on this site are general summaries for information only and do not amend, extend, or alter any policy. Coverage, terms, discounts, and availability vary by carrier, state, and applicant, and are subject to underwriting approval. Only the issued policy determines what is covered. Submitting a request does not bind, alter, or cancel coverage.
Quote business owners policy (bop)
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