Essential Business Protection in One Policy
A Business Owner’s Policy may combine commercial property, general liability, and business income protection into one streamlined policy for eligible small and midsize businesses.
What is a Business Owner’s Policy?
A Business Owner’s Policy, commonly called a BOP, combines several important commercial insurance coverages into one policy designed for eligible small and midsize businesses.
A standard BOP commonly includes commercial property insurance, general liability insurance, and business income coverage. Additional endorsements may be available depending on the business, location, revenue, operations, property values, and carrier requirements.
What a Business Owner’s Policy may include
Actual coverage depends on the carrier, policy form, endorsements, limits, deductibles, exclusions, business operations, property details, and eligibility.
Buildings and Business Property
May help protect eligible business buildings, office contents, furniture, equipment, inventory, supplies, and other covered property.
- Owned or leased business locations
- Furniture, equipment, and contents
- Inventory and business supplies
Third-Party Liability Claims
May help protect the business against certain covered third-party bodily injury, property damage, and personal or advertising injury claims.
- Customer and visitor injuries
- Third-party property damage
- Eligible legal defense expenses
Business Income Coverage
May help replace eligible lost income and continuing operating expenses when a covered property loss temporarily interrupts business operations.
- Eligible lost business income
- Continuing operating expenses
- Policy-specific restoration periods
Valuable Papers and Records
Some BOP forms may help cover eligible costs to restore, reproduce, or replace covered business records and valuable papers.
- Business records and documents
- Eligible restoration expenses
- Coverage sublimits may apply
Equipment Breakdown Options
Equipment breakdown coverage may be available for eligible electrical, mechanical, pressure, computer, and communication equipment losses.
- Mechanical breakdown events
- Electrical system damage
- Policy-specific repair expenses
Certificates and Contract Requirements
A BOP may help satisfy certain property-owner, landlord, customer, vendor, or commercial contract insurance requirements.
- General liability certificates
- Additional insured requests
- Contract-specific limit requirements
Businesses that may qualify for a BOP
Eligibility varies by carrier and may depend on revenue, payroll, building size, property values, claims history, location, operations, and industry classification.
Insurance and Professional Offices
Offices with furniture, computers, records, customers, and general liability exposure.
Freight and Logistics Offices
Dispatch offices, freight coordination businesses, and logistics service locations.
Small Warehouses
Eligible storage, distribution, fulfillment, and light warehouse operations.
Retail Businesses
Stores with customer traffic, inventory, equipment, and business interruption exposure.
Service Businesses
Repair, consulting, administrative, and other eligible service operations.
Small Commercial Property Owners
Eligible owners of offices, retail units, and certain commercial buildings.
A BOP does not replace every business insurance policy
A Business Owner’s Policy can provide broad core protection, but transportation businesses may still require separate policies for vehicles, employees, cargo, specialized services, or other major risks.
Explore All Insurance ServicesWhat can influence BOP insurance cost?
Pricing is determined through underwriting and may vary according to the business type, location, property values, revenue, claims experience, and selected limits.
Business operations
The services provided, customer exposure, property use, and overall business classification.
Property values
Building value, contents, equipment, inventory, furniture, and replacement costs.
Location and construction
Building age, construction type, fire protection, crime exposure, and geographic risks.
Claims and coverage limits
Prior losses, selected limits, deductibles, endorsements, and business income exposure.
Why eligible businesses consider a BOP
A BOP can offer a practical way to organize several common business coverages while maintaining flexibility for eligible endorsements and limits.
Check BOP EligibilityHow to request a Business Owner’s Policy
Complete information helps determine eligibility and supports a more accurate review of property, liability, and business income exposures.
Describe your business
Provide ownership, operations, revenue, payroll, locations, and years in business.
List property and equipment
Share building, contents, inventory, equipment, furniture, and replacement values.
Review liability exposure
Explain customers, contracts, premises, services, operations, and prior claims.
Compare available options
Review limits, deductibles, endorsements, exclusions, conditions, and pricing.
Business Owner’s Policy FAQs
Common questions from small businesses, offices, property owners, warehouses, logistics businesses, and commercial operations.
A BOP commonly combines commercial property insurance, general liability insurance, and business income coverage. Additional endorsements may be available depending on eligibility and carrier requirements.
A BOP may help protect an eligible trucking company’s office, contents, premises, and general business liability exposures. Commercial auto, cargo, and workers’ compensation are generally separate.
Commercial auto insurance is generally not included in a standard BOP. Business-owned vehicles and commercial vehicle liability normally require separate commercial auto coverage.
Workers’ compensation is generally a separate policy. Businesses with employees may need separate workers’ compensation coverage based on their location, employee status, payroll, and operations.
Commonly requested information includes business operations, revenue, payroll, locations, building details, property values, equipment, inventory, claims history, current coverage, and desired limits.
No. A quote request, website submission, application, email, or phone discussion does not bind coverage. Coverage must be confirmed in writing by an authorized insurance representative.
Build a stronger insurance foundation for your business
Tell NORTH STAR COMMERCIAL INSURANCE LLC about your operations, locations, property, equipment, revenue, customers, contracts, and claims history.