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Business owner’s policy (BOP)
Multiple coverages in one convenient solution
General liability insurance
If business insurance were a house, general liability insurance could be the foundation. It can help cover costs from third-party accidents and third-party bodily injury, as well as damage to someone else’s property.
A GL policy can also cover personal or advertising injury claims, which can include claims of stolen ideas, invasion of privacy, libel, slander, and copyright infringement related to advertising.
Commercial property insurance
If you have a storefront, office space, or other building for your business, commercial property insurance can cover damages caused by fire, theft, weather, or other similar events. It can also cover damage to physical assets such as inventory, supplies, equipment, tools, and machinery.
Business interruption insurance
If your business is forced to close for a period of time, business interruption coverage can help pay for lost income which can help get your small business back up and running sooner. This is also known as business income coverage.
How Much Does BOP Insurance Cost?
Get a quote for your small business with prices as low as $33.75/month*
Frequently asked questions
What determines the cost of BOP insurance?
Since BOP insurance bundles together different policies, it often can be less expensive than buying all those policies separately. As with most types of insurance, your cost will depend on a number of factors, such as your type of business, the services you provide, and where your business is located.
Some other factors can include the number of employees you have and your estimated revenue.
How does a general liability policy compare to a business owner’s policy?
A general liability policy may be required if you’re leasing or renting space for your business, but it usually doesn’t cover the building or your business property.
A BOP typically includes general liability insurance, along with commercial property and business interruption insurance.
What endorsements can and cannot be added to a BOP insurance policy?
Can be included:
- Cyber insurance
- Employee theft coverage
- Spoiled merchandise (perishable goods) coverage
- Forgery coverage
- Equipment breakdown coverage
Can’t be included:
- Workers’ compensation insurance
- Professional liability insurance
- Commercial auto insurance
- Health and disability insurance
Why work with Simply Business?
We provide customized coverage options and quotes from top-rated small business insurers – all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Feel confident about your choice
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*Displayed price is an estimate based on the 10th percentile of business owner’s policies sold by Simply Business between January – June 2025, divided evenly across a 12 month policy term. Actual price and payment terms, including an initial down payment, may vary based on your state, insurance provider, and business.