What Is a Business Owner's Policy (BOP)?
A Business Owner’s Policy is a bundled insurance package designed specifically for small to mid-sized businesses. Instead of buying separate policies for each type of coverage, a BOP combines the three protections most businesses need into one streamlined, typically more affordable policy.
Think of it as the small business insurance starter pack — built for business owners who want solid, real-world protection without the complexity of assembling a full commercial lines program from scratch.
What’s Included in a BOP?
- General Liability Coverage: Helps protect your business if a customer, vendor, or third party claims bodily injury or property damage caused by your operations, products, or completed work. This is the coverage that pays if someone slips and falls in your store, or if your work damages a client’s property.
- Commercial Property Coverage: Helps protect the physical assets your business depends on — your building, equipment, inventory, furniture, and supplies — against covered perils like fire, theft, vandalism, and certain weather events. Whether you own or lease your space, this coverage matters.
- Business Income Coverage (Business Interruption): If a covered event forces you to temporarily close or reduce operations, business income coverage is generally designed to help replace the revenue you’re losing while you get back on your feet. This is the coverage most business owners wish they had after a loss.
What a BOP Does Not Cover
A BOP is a powerful starting point, but it’s not a complete commercial insurance program. It generally does not include workers’ compensation, commercial auto, professional liability (E&O), or cyber liability. Depending on your industry and operations, you may need one or more of these as separate policies or add-on endorsements. A Saint Moore Insurance Agency agent can help you identify the gaps.
Who Needs a Business Owner's Policy?
A BOP is typically a strong fit for small to mid-sized businesses that operate in a fixed location, serve customers or clients directly, and want foundational coverage without building a complex commercial program. Here’s a breakdown of who it’s commonly a good fit for:
- Retail stores and boutiques: Physical locations with foot traffic, inventory, and customer-facing liability exposure
- Professional service businesses: Consultants, accountants, real estate offices, marketing agencies, and similar businesses that operate from an office
- Restaurants and cafés: Food service businesses with property, equipment, and customer liability needs (eligibility varies based on alcohol revenue)
- Contractors and tradespeople: Businesses with tools, equipment, and job-site liability exposure
- Healthcare and wellness providers: Clinics, salons, fitness studios, and similar businesses with physical locations and client interactions
- Landlords and property managers: Owners of smaller commercial or residential rental properties
BOPs are generally not available to manufacturers, auto dealerships, bars with significant alcohol revenue, financial institutions, or large enterprises. These businesses typically require a customized commercial lines program.
Not sure if a BOP is right for your business? That’s exactly what Saint Moore Insurance Agency is here to help you figure out.
Helps cover claims of bodily injury or property damage your business may cause to others including customers, vendors, and third parties. This is the foundation of any business insurance program and is often required by landlords, clients, and contracts.
Helps protect your business’s physical assets like building, equipment, inventory, and furnishings against covered events like fire, theft, and vandalism. Applies whether you own or lease your space.
Helps replace lost revenue if a covered event temporarily shuts down your operations. Often called business interruption insurance, this coverage can be the difference between surviving a setback and closing permanently.
How to Get a Business Owner's Policy with Saint Moore
Getting covered is simple. Here’s how to get your policy started with Saint Moore in four easy steps.
Getting the right BOP starts with understanding your business, what you do, where you operate, and what you have to protect. Here’s what to expect when you work with Saint Moore Insurance Agency.
Step 1: Tell Us About Your Business
Industry, location, number of employees, annual revenue, whether you own or lease your space. These details shape your coverage needs. We keep the conversation simple and focused on what actually matters for your policy.
Step 2: We Assess Your Risk Profile
Not every business has the same exposure. We look at your operations, your assets, and your customer interactions to identify the right coverage limits and flag any gaps a standard BOP might not address.
Step 3: We Shop Multiple Carriers
Saint Moore Insurance Agency compares BOP options across top commercial carriers to find the right fit for your business type, budget, and risk profile. You get options, not just one quote.
Step 4: Get Covered and Get Back to Business
Once you choose your policy, we handle the paperwork. Most BOPs can be bound quickly so you can focus on running your business, not managing your insurance.
Local roots. Nationwide reach.
St. Moore is headquartered in Redlands, CA, and deeply rooted in the Inland Empire but our carrier network covers all 50 states. Whether you're a local homeowner, a regional business, or have assets across multiple states, we have the market access to protect them.
Let’s Build the Right Coverage for Your Business.
Call Saint Moore Insurance Agency at (909) 793-2151, visit our Redlands office at 1150 Brookside Ave Suite Q, or request a quote online. Tell us about your business and we’ll find the right BOP — and flag anything else you might need.
A Business Owner's Policy generally bundles three core coverages into one package:
- General Liability: Helps cover claims of bodily injury or property damage caused by your business operations, products, or completed work.
- Commercial Property: Helps protect your business building, equipment, inventory, and furnishings from covered perils like fire, theft, and vandalism.
- Business Income (Business Interruption): Helps replace lost revenue if a covered event forces you to temporarily close or reduce operations.
What’s included in your specific BOP can vary by carrier and policy, so it’s important to review the details with your agent at Saint Moore Insurance Agency.
No. General liability is a core component of a BOP. A standalone general liability policy covers third-party bodily injury and property damage claims. A Business Owner’s Policy goes further by also including commercial property coverage and business income protection in a single bundled policy. For most small businesses, a BOP provides broader protection at a better overall price than purchasing each coverage separately.
BOPs are generally designed for small to mid-sized businesses in lower-risk industries. Eligible businesses typically have fewer than 100 employees, operate in a fixed commercial space, and fall within eligible industry categories such as retail, professional services, offices, restaurants, and certain contractors.
Some businesses are generally not eligible for a BOP, including manufacturers, auto repair shops, bars with significant alcohol revenue, car dealerships, and financial institutions. These businesses typically need a more customized commercial lines package. Eligibility requirements vary by carrier, so it’s worth speaking with a Saint Moore Insurance Agency agent to find out what’s right for your business.
No. A Business Owner’s Policy does not include workers’ compensation coverage. If you have employees, you’ll need a separate workers’ compensation policy, and in most states, including California, it’s required by law for any business with at least one employee. A BOP also does not include commercial auto insurance, professional liability (E&O), or cyber liability, though some of these can be added as endorsements depending on your carrier and policy.
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