Business Owners' Policies (BOPs) are packaged policies offered by some insurance companies for typically small to medium sized companies. They bundle a number of coverages together, often at a discounted rate compared to buying those policies ã  la carte. They are typically priced and underwritten for types of businesses that are relatively uniform in risk... typically lower risk businesses.

They typically cover buildings, business property, premises liability, business interruption, crime and so on.

They typically do NOT cover professional liability, such as errors and ommissions for insurance brokers, doctors, lawyers, architects, engineers and so on. Nor does it cover business auto liability, workers' compensation, life, health or disability insurance and so on.

Talk to your broker about whether a BOP would work well for you, or if you might need to tweak it to do so with some supplemental riders and other coverages, or by buying custom policies to tailor fit the coverages to the particular risks of your business.

Contact us for a free, no obligation consultation and/or quotes.

Additional information on BOPs:

What Does A Businessowners Policy (BOP) Cover? - The Insurance Information Institute