What is a Business Owner's Policy (BOP)

A BOP bundles the essentials into one policy, often for less than buying each separately.

By the InsuranU team Updated July 20263 min read

A Business Owner's Policy is a practical bundle built for small and medium-sized businesses with common needs.

What it typically includes

General liability
Commercial property coverage
Business interruption coverage

Who it fits well

Small businesses with a physical location, typical property risk and no unusually specialized exposure.

When U might need more

Higher-risk industries, larger operations, or businesses needing professional liability or workers' compensation will need additional policies alongside a BOP.

Quotes built around U

Compare matched options in a few minutes. It is free and there is no obligation.

Get my quotes

← Back to the business insurance checklist

Keep going

More from the business insurance checklist.

Guide

General liability explained

The most common starting policy for small businesses.

Read the guide

Cost

How much business insurance costs

See the real ranges by policy type.

Read the guide

Cost guide

How much business insurance costs

See the real ranges, with a live estimator.

Read the guide

Common questions

Is a BOP cheaper than buying policies separately?

Often yes, for businesses that fit the standard bundle.

Does a BOP include workers' compensation?

No, that is typically a separate required policy.

U deserve cover that fits

Tell us about your business and your life. We will match you with quotes built around U.

Get my quotes