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August 17, 2021

Business Owners Policies (BOP)...What is it?


Business owners policies (BOP) offer smaller businesses the opportunity to secure both commercial property and liability insurance in a single policy. Some micro-BOPs are designed for businesses with a maximum of 4 employees. 

A business owners policy (BOP) offers three definite advantages to smaller businesses.

First, the basic policy provides broader commercial property coverage than a standard commercial property policy, with limits that are the same as or greater than standard commercial property policies. They also often include options that would have to be purchased separately in a standard commercial policy.

Second, the basic policy also includes general liability insurance coverage that’s similar to a standard commercial general liability policy. Businesses can get one BOP with both liability and commercial property coverage instead of two separate policies.

Third, the basic policy can be customized to meet a given business’s needs using more than 100 endorsements. This provides smaller businesses with a level of flexibility and customization that’s normally available only to larger businesses.

BOP program eligibility depends on the size and type of the insurer, and varies from insurer to insurer.

Koch Insurance group represents businesses of all sizes. Let our representatives tailor your coverage to your business’s unique needs at the best price-point for you.

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