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What is a BOP Policy?

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What is a BOP Policy?

“BOP” stands for “business owner’s policy.” However, it’s not just a single type of coverage. It also doesn’t just mean the same thing as “business insurance.” Instead, it’s a bundle of three different specific types of business insurance. A business owner’s policy package typically includes these three policies:

  1. General liability insurance
  2. Commercial property insurance
  3. Business interruption insurance

BOP insurance is also customizable, and additional coverages may be available within the bundle.

The primary function of BOP insurance is to help small businesses get a wide array of essential coverage without the confusion of carrying multiple policies. Instead of juggling general liability, property, and business interruption insurance separately, a business owner’s policy allows all three to be bundled together for convenience — and, in some cases, to save you money.

Eligibility is based on various factors, such as revenue and the number of employees the business owner has.

Want to know more about BOP insurance?

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Whether you’re shopping for a brand-new policy or comparing policy prices, we can help you find affordable protection that’s personalized to your needs.

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What is a BOP Policy?


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*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.

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