Products
BOP / Package
Business Owner's Policy
A business owner's policy, or BOP, can package general liability with business property coverage for eligible small businesses that need a simpler policy structure.
Coverage
What it usually handles
- 01General liability plus business property in one package.
- 02Inventory, furniture, equipment, tenant improvements, and similar property.
- 03Lease-driven insurance requirements for storefronts, salons, offices, and restaurants.
Triggers
When it comes up
- 01You lease a storefront, salon, office, or restaurant space.
- 02You need both liability and property protection.
- 03Your landlord asks for liability limits or property coverage.
Quote file
Inputs carriers usually need
- 01Location address, square footage, construction, and occupancy.
- 02Property, inventory, and tenant improvement values.
- 03Revenue, business activity, and desired liability limits.
Routing
Match the product to the operation
The same product can underwrite differently for a contractor, restaurant, retailer, consultant, or transportation business.
Requirement
Contract, lease, certificate, limit, additional insured, state rule, or lender request.
Operation
Services, locations, payroll, vehicles, tools, property, revenue, and prior losses.
Market fit
Carrier appetite, required forms, exclusions, limits, and supporting coverage lines.