A BOP packages the two policies most small businesses need — liability and property — into one, usually for less than buying them separately. It’s the efficient starting point for offices, retailers, restaurants, and contractors with a shop.
What it covers
- Everything in General Liability
- Your building, equipment, and inventory
- Business income if a covered loss shuts you down
Who needs it
Ideal for offices, retailers, restaurants, and contractors who own or lease a physical location.
Florida note
Not every business qualifies for a packaged BOP in Florida — higher-hazard trades and coastal property often need monoline policies or surplus-lines placement. We tell you straight which path fits.