Business Owner Policy (BOP)

GL + Property + Business
Interruption in one policy.
The smartest buy for most small businesses.

A Business Owner Policy bundles your two most critical coverages — General Liability and Commercial Property — into one affordable package. Most small businesses save 15–30% vs. buying them separately.

✓ General Liability✓ Commercial Property✓ Business Interruption✓ Equipment Breakdown
Carriers We Work With
HartfordTravelersHiscoxCNANationwide+ 15 more
✦ Free & No Obligation

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Why BOP
Two essential policies.
One affordable price.
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BOP = General Liability + Commercial Property

A Business Owner Policy bundles your two most critical coverages into one policy at a significantly lower cost than buying them separately. Most small businesses save 15–30% with a BOP versus standalone policies.

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25%
Average savings vs. buying GL and property separately
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Business Interruption Included

If a covered event forces your business to close temporarily, BOP's business interruption coverage replaces your lost income so you can keep paying bills.

$500
Typical monthly BOP starting price for a small business
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What's Covered
Every detail of your
coverage, explained.
🛡️
General Liability
The GL component covers third-party bodily injury, property damage, and advertising injury — the same as a standalone GL policy.
Included
  • Slip & fall claims
  • Property damage to clients
  • Advertising injury
  • Legal defense costs
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Commercial Property
Covers your business's physical assets — building, equipment, inventory, furniture, and fixtures — against fire, theft, vandalism, and other covered perils.
Included
  • Building & structure
  • Business equipment & inventory
  • Furniture & fixtures
  • Fire, theft, vandalism
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Business Interruption
If a covered disaster (fire, burst pipe, etc.) forces you to close temporarily, business interruption coverage replaces your lost income during the recovery period.
Included in Most BOPs
  • Lost income replacement
  • Ongoing expense coverage
  • Temporary relocation costs
  • Employee payroll
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Equipment Breakdown
Covers the cost of repairing or replacing essential business equipment when it breaks down from mechanical or electrical failure — not just property damage.
Common Add-On
  • HVAC & refrigeration
  • Computer systems
  • Production equipment
  • Revenue loss during repair
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Hired & Non-Owned Auto
Covers liability when employees use their personal vehicles or rented cars for business purposes — a gap that many businesses overlook until it's too late.
Optional Add-On
  • Employee personal auto for business use
  • Rented vehicles
  • Delivery & errand coverage
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Cyber Liability (Add-On)
Many BOPs now offer a cyber liability endorsement as an add-on — a cost-effective way to add data breach coverage without a standalone cyber policy.
Optional Add-On
  • Data breach notification
  • Ransomware response
  • Privacy liability
Client Reviews
Businesses protected
by CoverGuard.
Saved $3,200/year on coverage
★★★★★
"We'd been with our previous insurer for 6 years. CoverGuard found us better coverage and saved our business over $3,000 a year. The agent also identified a coverage gap we didn't even know about."
TM
Tom M.
Owner · Martinez Roofing Co.
★★★★★
"CoverGuard got us covered same day. Fast, clear, and the agent explained every option without pressure. Exactly what a small business needs."
SP
Sarah P.
Small Business Owner · Whittier, CA
★★★★★
"One policy review per year and everything is handled. Couldn't be easier — they actually look out for our business."
RC
Rosa C.
Restaurant Owner · 3 Locations
FAQ
Questions answered.
Who qualifies for a BOP? +
BOPs are designed for small to mid-size businesses with under 100 employees and under $5M in revenue. Some industries — like contracting or manufacturing — may not qualify and need separate GL and property policies instead.
Is a BOP the same as 'full coverage' for my business? +
No. A BOP covers GL and property — it does not include Workers Comp, commercial auto, professional liability, or cyber. Most businesses need additional policies alongside a BOP for complete protection.
How much does a BOP cost? +
A basic BOP for a low-risk business starts around $500–$1,500/year. Higher-risk industries or businesses with significant property values will pay more. The best way to know your rate is a custom quote.
Can I add coverage to a BOP? +
Yes — BOPs are modular. Common add-ons include cyber liability, employment practices liability, professional liability endorsements, and equipment breakdown. We'll help you build the right package.
Is business interruption coverage automatic in a BOP? +
Most standard BOPs include business interruption, but the waiting period, coverage limits, and qualifying events vary by carrier. We'll make sure your BOP's interruption coverage actually fits your business needs.
Does a BOP cover home-based businesses? +
It depends on the carrier, but many offer BOPs designed for home-based businesses. Your homeowners policy does NOT cover business property or liability — a BOP is the right solution even without a commercial location.
Other Business Coverage
Complete protection
for your business.
🛡️
General Liability
Foundation coverage for third-party injury, property damage, and advertising claims.
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Business Owner Policy
GL + commercial property bundled into one cost-effective policy.
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Workers Compensation
Required in California for any business with employees.
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Professional Liability
E&O coverage for service-based businesses against negligence claims.
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Commercial Auto
Coverage for vehicles used in your business — personal policies won't cover them.
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Cyber Liability
Data breach, ransomware, and cyber incident coverage for modern businesses.

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