What does a Business Owner’s Policy cover?

A BOP typically bundles general liability and commercial property, and often includes business interruption coverage. It generally does not include professional liability, workers’ comp, commercial auto, or cyber.

How is a BOP different from general liability?

General liability is one part of a BOP. A BOP adds commercial property and often business interruption, bundling them together at a price that’s usually lower than buying each separately.

Does every business qualify for a BOP?

No. Carriers often set size, revenue, and risk thresholds. Larger or higher-risk businesses may need separate policies instead.

What Is a Business Owner’s Policy?

A BOP bundles general liability and commercial property into one policy — usually at a better price than buying each separately.

The short answer

A Business Owner’s Policy (BOP) bundles two core coverages — general liability and commercial property — into a single policy, usually at a better price than buying each separately. It’s designed for small to mid-sized businesses with predictable, lower-risk operations.

What a BOP typically includes

General liability covers third-party bodily injury, property damage, and related legal costs — the foundation many leases and contracts require. Commercial property protects your building, equipment, inventory, and furnishings against covered events like fire, theft, and certain weather damage. Many BOPs also include business interruption coverage, which can help replace lost income when a covered event forces you to temporarily close.

What a BOP usually does not include

A BOP generally does not cover professional liability (errors and omissions), workers’ compensation, commercial auto, or cyber liability. Those are separate policies, and whether you need them depends on how your business actually operates.

Is a BOP right for your business?

A BOP fits many small businesses well, but not every business qualifies — carriers often set size, revenue, and risk thresholds. The right mix depends on your operations, your contracts, and the specific risks your business carries.