Quick answer: A business owners policy (BOP) bundles general liability, commercial property and business income coverage into one policy for small, lower-risk businesses such as offices, shops and some service firms. It usually costs less than buying the coverages separately. Workers comp, commercial auto and professional liability are separate.
Reviewed by Jason Ayala, licensed agent (CA #0G67764) · Updated October 2026
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What a BOP includes
- General liability: injuries and property damage to others
- Property: building or improvements, equipment and inventory
- Business income: lost income after a covered loss
What it doesn’t include
- Workers compensation
- Commercial auto
- Professional liability and EPLI (sometimes available as add-ons)
Who qualifies
Offices, retail stores, small service businesses and some light trades. Restaurants, manufacturers and higher-risk contractors usually need a commercial package instead.
How we place it
- Check eligibility. Your class, revenue and building size determine whether a BOP or a package fits.
- Compare carriers. Several BOP carriers, plus package options.
- Add what you need. Employee dishonesty, equipment breakdown, cyber or EPLI endorsements.
- Certificates for your landlord. Additional insured certificates for your lease.
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Frequently asked questions
What is the difference between a BOP and general liability?
General liability covers only liability. A BOP adds property and business income coverage in the same policy.
Who qualifies for a BOP?
Small, lower-risk businesses like offices, shops and some service firms. Higher-risk operations usually need a package policy.