Who needs Business Owner's Policy?
What's covered
Protection against third-party bodily injury, property damage, and personal/advertising injury claims.
Coverage for your building (if owned), equipment, inventory, furniture, and other business property.
Lost income and ongoing expenses if a covered event forces you to temporarily close.
Many BOPs include extras like data breach coverage, hired/non-owned auto, and equipment breakdown.
What's not covered
Examples by industry
A BOP covers both a client's slip-and-fall injury and fire damage to your salon in one convenient policy.
Your restaurant's BOP handles a customer injury claim and replaces kitchen equipment after a fire, bundled at a lower cost.
A BOP packages liability for client property damage with coverage for your own supplies and equipment.
Your consulting firm's BOP combines office-injury liability with coverage for computers and furniture.
A retail BOP covers customer injuries plus your storefront and inventory, usually cheaper than buying each separately.
A BOP bundles general liability with property coverage for your dispatch office and stored equipment.
A tech startup's BOP combines liability with coverage for office hardware in a single discounted package.
A contractor's BOP bundles liability for job-site damage with coverage for shop tools and materials.
A studio's BOP packages liability with coverage for cameras and editing equipment at a lower combined premium.
A brokerage BOP bundles office liability with property coverage for the office and equipment.
Part of the Knack guide
Learn Business Owner's Policy alongside every other coverage in our full guide.
Open in the full guideRelated coverages
Often purchased together
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