Business Owner’s Policy (BOP) for Small Businesses
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What Does a BOP Insurance Policy Cover?
A BOP is a package policy that typically bundles three types of small business insurance together:
General liability insurance
If business insurance were a house, general liability insurance could be the foundation. It can help cover costs from accidents caused by your business to third parties, as well as damage to someone else’s property.
A GL policy can also cover personal or advertising injury claims against your business, 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 (from a covered cause), 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.
Depending on your specific business, you can add optional coverage to your business owner’s policy to make it an even better fit. For example:
Cyber insurance
Employee theft coverage
Spoiled merchandise coverage
Forgery coverage
Equipment breakdown coverage
Simply Business gives you access to top insurance carriers.
Who Needs a Business Owner’s Policy?
Brick-and-mortar businesses with inventory and equipment, such as restaurants and retail stores, often can benefit from a BOP. A business owner’s policy could make sense for many small business owners who don’t have a lot of time to search for different coverages, prices, and providers.Brick-and-mortar businesses with inventory and equipment, such as restaurants and retail stores, often can benefit from a BOP. A business owner’s policy could make sense for many small business owners who don’t have a lot of time to search for different coverages, prices, and providers.
What Other Types of Insurance Do I Need?
Business insurance usually refers to one or more coverages suited to your type of small business. Here are the foundational insurance policies we most often recommend, and how they can help protect your small business:
General LiabilityFrom $20.75/month*
Workers’ CompFrom $38.91/month*
Professional LiabilityFrom $25.83/month*
Inland MarineFrom $20.83/month*
Business Personal PropertyFrom $25.83/month*
Errors & OmissionsFrom $33.75/month*
How Much is Business Owner’s Policy Insurance?
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What Some Customers are Paying for BOP2
California
Esthetician Services
- Corporation
- General liability coverage: Occurrence/aggregate limits: $1M/$2M
- Business personal property coverage: $40,000 limit/$500 deductible
- Quoted May 2026
$78
/month
Utah
Hair Salon
- Limited Liability Company (LLC)
- General liability coverage:
Occurrence/aggregate limits: $1M/$2M - Business personal property coverage: $20,000 limit/$500 deductible
- Quoted May 2026
$39
/month
Georgia
Restaurant
- Limited Liability Company (LLC)
- General liability coverage:
Occurrence/aggregate limits: $1M/$2M - Business personal property coverage: $60,000 limit/$500 deductible
- Quoted May 2026
$102
/month
2These examples are real insurance quotes generated on the dates above. They are for illustration purposes only. Your coverage options and pricing may differ based on the information you provide us about your particular business, the state you operate in, the number of employees, and other factors.
How to Get BOP Insurance Online
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Answer a few questions about your business in one form.
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What Is a Business Owner’s Policy (BOP)?
A one-minute explanation
Find out what a BOP covers, why you might need it, and how we can help – All in just 60 seconds.
Business Owner’s Policy FAQs
State Business Insurance Guides
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How to Get a BOP Insurance Quote
You can quotes for general liability coverage in just 10 minutes with our online quote tool.
*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.