Comprehensive Protection for Your Small Business

A Business Owner’s Policy combines property and liability coverage into one affordable package.

Why a BOP Matters

• Simplifies coverage by bundling essential protections.

• Saves money compared to buying separate policies.

• Meets landlord, lender, and client requirements.

• Peace of mind for entrepreneurs.

Who Needs a BOP

• Retail shops.

• Restaurants and cafes.

• Professional offices (law, accounting, consulting).

• Contractors and service providers.

How Much Coverage Do I need?

Most small businesses need a Business Owner’s Policy (BOP) with at least $1 million per occurrence and $2 million aggregate liability coverage, plus property coverage equal to the replacement cost of your building, equipment, and inventory. You may also want business interruption coverage for 6–12 months of operating expenses.

What a BOP Covers

A Business Owner’s Policy bundles three core protections:

• General Liability Insurance – Covers lawsuits for bodily injury, property damage, or advertising injury.

• Commercial Property Insurance – Protects your building, equipment, inventory, and business personal property.

• Business Interruption Insurance – Replaces lost income and covers expenses if your business must temporarily close

How to Decide Your Coverage

1. Assess Assets – Calculate replacement cost of property, equipment, and inventory.

2. Check Contracts – Many clients require $1M liability minimum.

3. Estimate Operating Costs – Ensure business interruption covers payroll, rent, and utilities for at least 6 months.

4. Industry Risk – High-risk industries (construction, healthcare, tech) may need higher liability limits or add-ons.