Business Owners
Policy (BOP)

Do you currently have a General Liability policy? Did you know that a General Liability policy does not cover your business property in the event something happens to it?

That is why having a Business Owners' policy is such a great policy to have.

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What is Business Owners Policy

Not only do you get coverage for your General Liability if someone gets injured while you are conducting your business, but it will also cover all your business property. You have it all together in one policy without the hassle of having multiple.

A Business Owners Policy can cover a physical location you’ve purchased or leased, and all the property you use for your business. For example: If you have a restaurant or a barbershop, the Business Owners policy would cover the physical location, all the business property inside the restaurant/shop, and also has General Liability coverage included. Here are more details on what’s covered in the Business Owners Policy:

How do I get Business Owners Policy Quote?

We just need your business location, details of your building (such as year built, total square footage, structure type, fire, and security alarm details), when your business started, your experience in the industry, number of employees, the total amount of payroll, and the total amount of revenue.

Example of what a Business Owners policy covers

Let’s say you have a restaurant and your worker forgot to put out a warning sign after mopping. If someone slips and gets hurt, that would be covered under your General Liability Policy. If someone broke into your restaurant and stole your equipment and broke your windows, that would be covered in your Business Owners Policy because it’s your property. InsurePro always has a licensed agent ready to help you get the right coverage for your business. You can go to our website, chat, call, or text. We’re here to help you protect what you’ve worked so hard to build.

We are Here To Help

It can seem a bit confusing at first to decide what policy is right for your business but that is why we have licensed agents here at InsurePro that will help ask the right questions and know what policy fits best for your business. We also work with multiple carriers that we can shop around and make sure we have the best rate for you.

Additional Coverages we Offer

General Liability

Helps cover property damage and bodily injury.

Workers Comp

Helps cover employees if they get sick or injured.

Commercial Auto

Helps cover risks that come from operating business vehicles.

Equipment Protection

Covers equipment you use to get the job done.

Get a policy that's tailored just for you.

We work hard to find a business insurance plan that makes the most sense for you. Leave the insurance to us so you can focus on your business.

300+
Professional categories that we currently service.
50%
Annual savings when using On-Demand insurance.
15 min
Average time to quote and checkout with InsurePro.
20+
Carriers that we compare rates from.

Frequently asked questions

Is a Business Owner's Policy required by law?

Although General liability insurance and commercial property insurance isn't required by law, any of the people you do business with will likely have general liability insurance requirements. You may need this policy if you want to sign a client contract with these requirements. Proof of general liability coverage is also required to apply for certain professional licenses.

Also, many commercial landlords require tenants to purchase commercial property insurance, or business renters insurance. A landlord might ask to see proof of coverage before you can sign a lease.

Does a Business Owner's Policy cover independent contractors?

A business owner's policy covers you and your employees, but typically does not include independent contractor insurance coverage. You can either add contractors to your policy on a temporary basis as an additional insured, or require them to buy their own General Liability insurance policy.

Is my business eligible for a Business Owner's Policy?

To qualify for a BOP businesses typically must have:

- A low-risk industry
- Fewer than 100 employees
- Less than $1 million in annual revenue
- A small commercial Space