A BOP is a package policy, containing the elements necessary to protect your small business from the three core risks it faces: 

  • Property Insurance—Protection for your building or office space, as well as property owned by your business

  • Liability Insurance—Coverage for costs that arise if someone is injured at your business or by using your products or services.

  • Business Interruption Insurance—replaces lost revenues in the event that your business has to shut down due to a covered loss.


This policy is specifically designed for small and medium-sized businesses.  Normally, companies with less than 100 employees and revenues less than $5 million are candidates.   Also, business type can influence eligibility.  Some businesses, such as restaurants, may be ineligible because of the specific risks inherent in them.

Business Owners Policy (BOP)