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Business Owners Policy (BOP)


A Business Owners Policy, or BOP, protects your small business from a variety of risks, usually through a combination ofgeneral liability, property, and workers' compensation insurance.


Who Needs a Business Owners Policy?


All small businesses such as retail stores, restaurants, and independent contractors typically need a BOP to safeguard against unexpected financial losses beyond general liability claims.


What's In a BOP?

A simple BOP might contain only a few coverages, such as:

  • General liability - Provides protection if you cause bodily injury, property damage, personal injury or advertising injury. *Eligible contractors can get General Liability as a standalone coverage.

  • Property - Provides replacement cost coverage for buildings and most business owners' personal property.

  • Workers' compensation - Protects you and your employees from financial hardships caused by accidents or illnesses related to the job.

Need more details? Contact us

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