Business Owner Policy

Business Owners Policy (BOP)

In some ways, a Business Owner’s Policy is like a homeowner’s policy for business. For small and medium-sized businesses (usually under 100 employees and less than $5 million in annual sales), BOPs combine many of the basic coverages needed by small businesses (with exception of auto and worker’s compensation insurance) into standard packages designed for individual industries. BOPs come with the added advantage of premiums that are less than if each coverage is purchased separately.


While individual policies will vary, a BOP will typically include:

  •  Property Insurance

  •  Liability Insurance

  •  Business Interruption Insurance

  •  Crime Insurance

  •  Equipment Breakdown Insurance

  •  Medical Payments Coverage

  •  Personal and Advertising Injury

As with all insurance protection, it’s important to make sure that you are protected for the particular risks unique to your business. There may be additional coverages that should supplement a business owner’s policy for your situation. The experienced professionals at every Cushman Insurance Group agency can plan the best policy for you and your business. Remember: an uncovered claim could put you out of business. Make sure you have the protection you need!