Who qualifies for a BOP?

Most small businesses with fewer than 100 employees and under $5 million in annual revenue qualify. This includes offices, retail stores, restaurants, salons, and professional services.

What is not covered by a BOP?

Workers compensation, professional liability (E&O), commercial auto, and health insurance are not included. We offer each as a separate policy or add-on.

How much does a BOP cost?

Premiums typically range from $500 to $3,000 per year depending on your industry, location, revenue, and coverage limits. We compare multiple carriers to find your best rate.

Can I add coverage later if my business grows?

Absolutely. BOPs are designed to scale. As you hire employees, add locations, or purchase vehicles, we expand your coverage seamlessly without starting over.

Small Business Package

Business Owner Policy (BOP)

A Business Owner Policy (BOP) combines essential general liability and commercial property coverage into one streamlined, cost-effective package designed for small businesses. It is the most popular starting point for offices, retail shops, restaurants, salons, and professional service firms looking for affordable, comprehensive protection.

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What Is Covered

Coverage Features

Every policy we write includes these core protections, tailored to your specific operation.

General Liability

Protection against customer injuries, property damage claims, and personal injury lawsuits arising from your business operations.

Commercial Property

Coverage for your building, furniture, inventory, equipment, and signage against fire, theft, vandalism, and weather damage.

Business Interruption

Replaces lost income and covers ongoing expenses if a covered loss forces you to temporarily close your doors.

Equipment Breakdown

Protection for mechanical and electrical equipment failures including HVAC, refrigeration, and computer systems.

Cyber Liability Option

Optional add-on coverage for data breaches, cyberattacks, and customer information exposure common in modern business.

Hired & Non-Owned Auto

Optional coverage for vehicles your business uses but does not own, including employee cars used for work errands.

The Independent Advantage

Why Business Owners Choose Us

Bundled Savings

BOPs are typically 10-20% less expensive than buying general liability and property coverage separately from the same carrier.

One Policy, One Renewal

Simplify your insurance management with a single policy, single renewal date, and one point of contact at our agency.

Customizable Add-Ons

Start with a BOP and layer on professional liability, cyber coverage, or workers comp as your business grows. We build around you.

Ready to Get Covered?

We compare rates from 30+ A-rated carriers to find the best coverage at the most competitive price for your business owner policy (bop) needs.

Call (205) 352-2335

Common Questions

Frequently Asked Questions

Get Your BOP Quote

Affordable bundled coverage for small businesses. Compare 30+ carriers.

Call (205) 352-2335