A BOP bundles general liability, commercial property, and business interruption coverage into one policy — almost always cheaper than buying the pieces separately. Quote it online in about two minutes.
A business owners policy — everyone calls it a BOP — is the package deal of small-business insurance. Carriers noticed decades ago that most main-street businesses need the same three coverages, so they bundled them and priced the bundle below the sum of its parts. Here's what you get:
One policy, one renewal date, one bill, one deductible conversation — and a premium that's usually meaningfully lower than buying general liability and a separate property policy.
BOPs are built for main-street businesses — carriers define that mostly by size and risk profile. You're likely a fit if you're a shop, office, studio, restaurant, or service business with a modest footprint and revenue in small-business territory. Typical BOP buyers include:
Larger operations, high-hazard industries, and businesses with big fleets or complex property usually graduate to a commercial package policy instead — same idea, more customization. If that's you, the online quote will flag it and a licensed agent will call you right away with the right structure, usually placing it the same business day.
Premium follows your property values, industry, and location — more gear and more foot traffic mean more premium. Typical annual ranges for small businesses look like this (typical ranges only — your quote will show your real number):
| Business type | Typical annual BOP premium |
|---|---|
| Home-based or small office | $500 – $1,000 |
| Professional office (leased space) | $600 – $1,400 |
| Retail store | $800 – $2,000 |
| Light contractor with shop & equipment | $900 – $2,200 |
| Restaurant or café | $1,200 – $3,000 |
For comparison, buying equivalent general liability and property coverage as two standalone policies typically costs 10–25% more than the bundled BOP price — which is why, if you have anything worth protecting beyond liability, we'll almost always show you the BOP number alongside the GL-only number.
Quote your BOP online — real bindable prices from A-rated carriers, side by side with a GL-only option so you can see the difference for yourself.
Get My Instant Quote Prefer to talk? (859) 407-4888A BOP covers a lot, but three big things always live outside it. Workers' compensation is a separate, state-mandated policy the moment you have employees. Commercial auto covers business vehicles — a BOP won't touch anything with a license plate. And professional liability (E&O) covers claims about your advice or work product, which the liability section of a BOP excludes.
The good news: common add-ons can ride along with a BOP by endorsement. Cyber liability, hired and non-owned auto (for employees running errands in their own cars), equipment breakdown, and spoilage coverage for restaurants are all frequent, inexpensive additions. Tell us what you do and we'll flag which ones actually matter for your operation — and skip the ones that don't.
Most BOP-eligible businesses can quote and buy online in one sitting: about two minutes of plain-English questions, real bindable prices from A-rated national carriers, pay online, and coverage can start as soon as today — documents and same-day certificates of insurance included. If your business is a tougher fit, a licensed agent calls right away and shops it across our markets. Either way, you're dealing with an independent agency (Experts of Insurance is a Signature Insurance company, licensed in all 50 states) — so at renewal, if the price creeps, we re-shop it for you instead of hoping you won't notice.
Online price now, coverage as soon as today — or an expert calls you right away.
