Who typically needs this
- Small businesses with a location, inventory, or equipment
- Retail, office, and many service operations
Business
Business Owners Policy (BOP)
A Business Owners Policy (BOP) packages common small-business coverages, often including general liability and commercial property. Coverivo helps you determine whether a BOP or separate policies may fit better.
Common coverages
- General liability
- Business property and business income, depending on the form
- Optional endorsements for equipment, spoilage, or hired/non-owned auto
Things to consider
- Not every business qualifies for a BOP
- Professional, cyber, and auto exposures may still need separate policies
Questions people ask
What is a BOP?
A BOP is a packaged small-business policy that often combines liability and property coverage. Eligibility and included coverages vary by carrier.
Coverivo is an independent insurance broker, not an insurance carrier. Coverivo is staffed by licensed insurance professionals who help you evaluate and request coverage from applicable markets. We do not underwrite or issue insurance policies. Insurance products and availability vary by state and insurance company. Coverage is subject to underwriting, eligibility requirements, policy terms, exclusions, and carrier approval.