Business Owner's Policy (BOP)
A BOP bundles general liability and commercial property coverage into one cost-effective policy — ideal for small and mid-sized businesses. It's often the most efficient way to cover your storefront, office, or shop against lawsuits, property damage, and business interruption.
What it covers
- General liability — third-party injury and property damage
- Commercial property — building, equipment, inventory, and furnishings
- Business interruption — lost income while you cannot operate after a covered loss
- Extra expense coverage to keep operating from a temporary location
Who needs it
Small and mid-sized businesses with a physical location — a storefront, office, studio, or shop — that want liability and property coverage in one place.
Carriers set eligibility limits on revenue, square footage, and industry. If your business has outgrown those thresholds, separate policies usually make more sense.
Common gaps we see
A BOP is a bundle, not a complete program. It typically excludes workers' compensation, commercial auto, and professional liability — three of the most common claims a growing business actually faces. We'll show you what the bundle does and does not carry.
How SureNest helps
As an independent broker, we compare multiple carriers to match your situation with the right policy — not a one-size-fits-all plan pushed by a single insurer.