Coverage
Business Owner's Policy (BOP)
Bundled general liability + business property in one policy.
A packaged policy for small businesses combining general liability with coverage for your equipment, inventory, and office contents at a discount vs. separate policies.
What's included
- Property + liability bundle
- Business interruption included
- Discounted vs. standalone policies
Who needs it
Studios, offices, and any pro with equipment or inventory.
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The BOP: a professional office in one policy
A business owners policy bundles general liability with commercial property coverage — your equipment, furnishings, and improvements — plus business-interruption protection, at a package price meaningfully below buying the pieces separately. For professional firms, the BOP is the chassis: it satisfies the lease’s insurance clause, covers the laptops and office buildout, keeps revenue flowing after a covered property loss shuts the office, and leaves professional exposure to a companion E&O policy.
Modern BOPs flex with how professionals actually work: business personal property coverage follows laptops and equipment off-premises (limits vary — check yours against the gear you travel with), and endorsements add cyber, hired/non-owned auto (the coverage that responds when an employee runs a client errand in their own car), and employment practices liability in modest sublimits. Eligibility is generous for offices: most professional firms under carrier revenue thresholds qualify easily.
What to size correctly
Three numbers deserve attention: business personal property (replace every screen, chair, and server at today’s prices — firms chronically underinsure this), business income (how many months of expenses would a rebuild take?), and the GL limits your lease requires. The premium difference between adequate and inadequate numbers is small; the claim difference is not.
Frequently asked questions
Do I need a BOP if I work from home?
If you have meaningful equipment, client visits, or a lease of any kind (including coworking), yes — homeowners policies cap business property at token amounts and exclude business liability. Home-office BOPs are inexpensive and close both gaps.
Does a BOP include professional liability?
No — BOPs cover the physical business; E&O covers your professional services and must be bought separately (a few carriers offer packaged professional endorsements for specific classes, but standalone E&O is the norm and usually the better form). The BOP + E&O pair is the standard professional-firm program.
What is business interruption coverage in a BOP?
If covered property damage (fire, water, etc.) shuts your office, business income coverage replaces lost revenue and pays continuing expenses during restoration. For service firms whose “production” is billable time, the coverage keeps payroll and rent alive while you relocate — often the most valuable and least understood BOP component.
Are my laptops covered when I travel?
BOPs extend business personal property off-premises, but at sublimits that vary widely ($5k–$25k typical). Firms with serious mobile equipment — photographers, field consultants — often add inland marine coverage rated for gear on the move. Check the off-premises number before assuming.
Related: commercial property · general liability · umbrella · get quotes.