What Does a Business Owners Policy (BOP) Cover?

A business owners policy (BOP) is a bundled insurance policy designed for small businesses. It typically combines general liability insurance and commercial property insurance into a single policy, helping businesses protect against common risks.

Business owners policies generally cover property damage to buildings and contents, liability claims related to bodily injury or property damage, and certain business interruption losses caused by covered events. Coverage details can vary based on the business type and insurer.

A BOP is commonly used by small to mid-sized businesses such as offices, retail stores, and service providers. Businesses with unique risks or larger operations may require additional or separate coverage beyond a standard business owners policy.