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Business Owner Policy (BOP)
BOP Insurance Coverage Made Simple—Protect Your Team. Protect Your Business.
A great business is built with care. So is a great insurance policy.
If you’re a small to mid-sized business owner, you don’t need a dozen disconnected policies — you need one streamlined solution that protects your property, your income, and your legal exposure.
That solution is a Business Owner’s Policy (BOP).
At WorkersInsurance.com, we help business owners across the country secure BOP insurance tailored to their industry, size, and exposure. Whether you’re running a retail shop, managing a trade crew, or consulting from a home office — this bundled policy protects what matters most.
Business Owner Policy Insurance Coverage
🔹What Does a BOP Cover?
✅ General Liability
- Third-party injuries (slip and falls, customer accidents)
- Property damage caused to others
- Legal defense costs if you’re sued
✅ Commercial Property
- Your building (if owned)
- Fixtures, inventory, equipment, and business personal property
- Covered events: fire, theft, vandalism, storms
✅ Business Interruption (BI)
- Lost income after a covered event
- Rent, payroll, and overhead while recovering
- Relocation and temporary operations costs
🔒 Pro Tip: Smart Coverage for Small Business Owners — Bundle & Save Without Cutting Protection
🔹 What Isn’t Covered by a BOP?
🚫 Employee injuries (needs Workers’ Comp)
🚫 Professional errors (requires Professional Liability)
🚫 Vehicles used for business (requires Commercial Auto)
🚫 Flood or earthquake damage (optional endorsements)
🚫 Cyberattacks (covered by Cyber Liability)
💡 BOPs are powerful — but not all-inclusive. We’ll help you customize the right add-ons for full protection.
🔹 Who Should Get a BOP?
You should consider a Business Owner’s Policy if your business:
- Has a physical office, store, or workspace
- Owns inventory, tools, furniture, or electronics
- Interacts with the public or clients onsite
- Depends on income from day-to-day operations
- Needs an affordable and streamlined policy
Top industries that benefit from BOPs:
- Contractors & trades
- Retail & storefront businesses
- Consultants & professionals
- Medical & wellness practices
- Tech & creative agencies
- Food & beverage services
💬 If one fire, flood, or lawsuit could disrupt your revenue — a BOP can be the difference between bounce-back and bankruptcy. Get Covered Now!
Priority Concerns & SOLUTIONS
✅ “Do I actually need a Business Owner’s Policy, or is this just upselling?”
If your business owns anything, rents space, or serves the public — you need more than just liability. A BOP gives you a bundled layer of protection, often for less than the cost of piecemeal coverage.
🛠 Think of it as buying a drill with the full set of bits — not just the base unit.
You need a BOP if:
- You own or lease office, shop, or storage space
- You store inventory, equipment, or tools
- A single property loss or lawsuit could halt your income
💬 Solution:
WorkersInsurance.com only recommends a BOP when it reduces risk and saves money. We’ll show you side-by-side what you’d pay without one — no pressure.
✅ “What if my equipment or tools get stolen — will a BOP cover that?”
Yes — if your tools and equipment are stored at your place of business, a BOP can cover them under the Commercial Property section.
But: If you’re a mobile contractor or worksite-based, you’ll want to add Inland Marine (Tools & Equipment) Coverage as an extension.
💬 Solution:
Our licensed agents will ask where your tools are kept and how they’re used — then configure your BOP to fit your trade, not someone else’s.
✅ “How does Business Interruption actually work — and will it really save me?”
Business Interruption (BI) covers lost income after a covered property loss shuts you down — fire, storm, theft, etc. It pays:
- Net lost profits
- Payroll
- Lease/mortgage costs
- Temporary relocation costs
- Taxes, loan payments, and vendor obligations
Real Example:
A boutique shut down for 18 days after a water heater leak → $6,800 in reimbursed income through their BOP’s BI clause.
💬 Solution:
BI coverage is often the difference between survival and shutdown. We help you estimate your real income risk and set your policy limits accordingly.
✅ “I already have General Liability — do I really need this bundle?”
General Liability is just one piece.
It won’t cover:
- Fire
- Theft
- Flood (optional add-on)
- Loss of income
- Equipment damage
- Inventory spoilage
Think of GL as defense.
Think of BOP as both defense and a safety net.
Solution:
Our team will show you exactly what GL covers vs. what BOP includes — with real dollar scenarios. Most business owners are shocked by the gaps they’ve unknowingly left open.
🔒 Pro Tip: Let us review your contracts and recommend the right level.
✅ “What about online or home-based businesses — is a BOP still relevant?”
Yes — if you store inventory, use expensive equipment, or have clients visit your home office, your homeowner’s insurance likely excludes business claims.
Solution:
We offer specialized BOPs that account for digital assets, home-based operations, or hybrid workspace needs.
💡 Even if you run your entire business from a laptop — you still face liability and property risks.
Licensed Insurance Partners
Experience Coverage with Peace of Mind
Top Rated Licensed Insurance Partners for Contractors and Business Owners
WorkersInsurance.com proudly partners with America's most trusted MGAs and carriers to ensure every Client gets fast, fair, and fully compliant coverage.
Not locked into one carrier — we shop the best deal based on your risk class, exposure and payroll.
Why Choose WorkersInsurance.com?
Because you don’t need a maze of forms, confusing laws, or sketchy salespeople. You need:
- Fast, compliant coverage from experienced agents
- Sean Belding is licensed in CA, TX, & AZ
- Licensed partners in all 50 states
- Specialized knowledge for your industry
- Real-time quotes with no obligation
- Support you can trust
WorkersInsurance.com helps to craft elite policies—we are also able to connect you with handpicked, A+ Top-Rated, US-based experts.
But more importantly, we filter out the fluff and only connect you with our licensed, reputable professionals who know how to get you covered—fast.