General liability coverage
Bodily injury, property damage, and advertising injury
Business Owners' Policy — Bundled Protection, Better Rates
Combine general liability and commercial property insurance into one cost-effective policy. A BOP gives small and mid-size businesses essential coverage at a lower premium than buying each policy separately.
What's covered
What's included in a BOP?
A Business Owners' Policy packages the most critical coverages into a single, streamlined policy — saving you money and simplifying your insurance program.
Commercial property coverage
Buildings, equipment, inventory, and furnishings
Business interruption insurance
Lost income during covered shutdowns
Data breach coverage (optional)
Response costs and notification expenses
Equipment breakdown
Mechanical and electrical failure of business equipment
Hired and non-owned auto (optional)
Liability for vehicles you rent or employees' cars used for business
Who needs it
Is a BOP right for your business?
BOPs are designed for small to mid-size businesses that need comprehensive coverage without the complexity and cost of multiple standalone policies.
- Ideal for small to mid-size businesses seeking bundled protection — Best fit for businesses that want general liability, property, and business income coverage in one streamlined policy.
- Typically available for businesses under $5M in annual revenue — Many carriers reserve BOP programs for lower-revenue companies with straightforward operations and moderate risk.
- Generally requires fewer than 100 employees — Smaller teams are usually easier to place in standard BOP programs than larger, more operationally complex businesses.
- Common industries: offices, retail shops, restaurants, and service businesses — These businesses often have predictable property and liability exposures that fit neatly into bundled BOP coverage.
- Popular among consultants, freelancers, and professional service firms — Low-footprint service businesses often use a BOP to cover office contents, liability, and lost income at a lower cost.
Why Ashmont Insurance Agency
The smarter way to buy business owners' policy (bop)
Our platform removes the guesswork from finding the right coverage at the right price.
Instant comparison
Our platform analyzes your business profile and compares policies from multiple carriers in seconds, surfacing the best coverage combinations at prices a traditional broker would take weeks to find.
Multiple top-rated carriers
We work with America's leading commercial insurers including The Hartford, Travelers, Chubb, CNA, Liberty Mutual, and more. More options mean better rates and broader coverage for your business.
Licensed advisors on demand
Our platform handles the research, but licensed commercial insurance advisors are always available to review your coverage, answer questions, and help you make the right decisions for your business.
Industries We Serve
Business owners' policy for small businesses across every sector
A BOP bundles general liability and commercial property into one affordable policy — perfect for small and mid-size businesses.
FAQ
Common questions about Business Owners' Policies
Have more questions? Our licensed advisors are available by phone, email, or chat.
A Business Owners' Policy (BOP) is a bundled insurance package that combines general liability insurance and commercial property insurance into a single, cost-effective policy. Most BOPs also include business interruption insurance, which covers lost income if your business is temporarily shut down due to a covered event like a fire or storm. It is one of the most popular policies for small and mid-size businesses.
General liability insurance only covers third-party bodily injury, property damage, and advertising injury claims. A BOP includes general liability plus commercial property coverage, business interruption insurance, and often additional protections like equipment breakdown. Because these coverages are bundled together, a BOP typically costs less than purchasing each policy separately.
BOPs are designed for small to mid-size businesses, typically those with annual revenue under $5 million and fewer than 100 employees. Common qualifying businesses include offices, retail stores, restaurants, service businesses, and consultants. Larger or higher-risk businesses may need standalone commercial policies instead. We can tell you in seconds whether your business qualifies.
BOP premiums vary based on your industry, location, revenue, number of employees, property value, and claims history. Most small businesses pay between $500 and $3,500 per year. Because a BOP bundles multiple coverages, it typically costs 15-30% less than buying general liability and commercial property as separate policies. Get a personalized quote in minutes with Ashmont Insurance Agency.
Yes. Most carriers allow you to customize your BOP with endorsements (add-ons) such as cyber liability and data breach coverage, hired and non-owned auto insurance, professional liability (E&O), equipment breakdown, spoilage coverage, and employee dishonesty coverage. We compare endorsement options across multiple carriers to find the best combination for your business needs and budget.
Ready to bundle your coverage and save?
Get a personalized BOP comparison from multiple carriers the same day. No obligations — just smarter, bundled coverage for your business.