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Home > Blog > What Does a Business Owners Policy Cover?
TUESDAY, APRIL 27, 2021

What Does a Business Owners Policy Cover?

If you own a business or plan on starting a business, you may have heard of a business owners policy (BOP). This insurance is useful for many small businesses in low risk industries, but it is important to understand what this policy is and what it covers. 

What Is A Business Owner's Policy?  

BOP insurance protects your business from losses due to theft, fire, and other covered disasters. It can also be written to take care of claims that may arise as part of regular business operations. This includes bodily injury and property damage, as well as other coverage types.a group of people sitting at a desk  

Many BOP policies are industry-specific. BOPs are package policies, meaning they are built for businesses with similar risks. Customize your BOP insurance to make sure you're only paying for the protection you need. Do this early to protect against damages when your business opens its doors.  

Who Needs A Business Owner’s Policy?  

Your business may benefit from a BOP if the following conditions apply:  

  • You have a physical location. Where you conduct business doesn't matter. If you have business assets, BOP coverage can help. This includes businesses run from home, a rented space, garage or store.  

  • You could get sued. For instance, a customer is injured by a slip-and-fall accident at your store. Without adequate business owner’s insurance, you would have to cover the customer’s medical bills.  

  • You have physical assets that could be stolen. Your business may have cash, digital assets, equipment, customer data, furniture or inventory. With BOP Insurance, you don't have to worry about the money to replace these items if they are stolen or damaged.  


Buying a BOP policy makes sense for a lot of business owners. It simplifies coverage for property and business liability insurance by combining them.  

What Is Covered NY BOP Insurance?  

Business Owner’s Policies help you save money on broad coverage that typically includes: 

  • General Liability Insurance: General liability insurance covers claims concerning bodily injury and property damage. 

  • Commercial Property Insurance: Commercial property insurance covers physical property owned by the business in case of fire, wind, hail, lightning, smoke, theft, vandalism and more. 


Ask your insurance agent which BOP policy options are most relevant, and how to save money by bundling coverage. It's a convenient choice for SMBs who need several policy types. You can tailor your BOP with additional policies, such as:  

  • Professional liability  

  • Off-premises utility services  

  • Data breach  


Discuss your BOP insurance options and concerns with an experienced insurance agent.
Posted 2:27 PM

Tags: business, insurance, bop, business, owners, policy
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