Business owner's package insurance, also known as a BOP policy, combines protection from major property and liability risks into one package. Many small and mid-sized businesses prefer purchasing a BOP policy because they prefer having all of their insurance needs packaged into one policy. Package policies are created for businesses that generally face the same kind and degree of risk. A niche market company might purchase a separate customized commercial policy to meet the special risks for their business.

BOP policies may vary from company to company. The BOP policies generally include property insurance for buildings and contents owned by the company. Some BOP policies also include business interruption insurance, which covers the loss of income resulting from a covered loss that disrupts the operation of the business. It may also include the extra expense of operating out of a temporary location. Moreover, a BOP policy also includes liability protection for the operation of your business and liability of your products or completed operations. BOP policies generally do NOT cover professional liability, auto insurance, worker's compensation or health and disability insurance. You will need to obtain separate insurance policies to cover professional services, vehicles and your employees.

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Note: Policy description of coverage provided on our website are simplified and not a statement of contract. Description is only for general informational purposes. Please refer to your specific policy documents and endorsements for complete details of coverage, conditions, restrictions, and limits.