Business Owner Policy
A Business Owner Policy bundles the core coverages most small businesses need, property and liability, into one convenient, often cost-effective package.
What a BOP typically bundles
A BOP packages property and liability; workers comp and commercial auto are usually added separately.
Commercial property
Coverage for your building, equipment, inventory, and contents after a covered loss.
General liability
Protection for third-party bodily injury and property damage claims against your business.
Business income
Helps replace lost income and cover expenses if a covered loss interrupts operations.
Products & completed ops
Liability protection for claims tied to your products or finished work.
Extra expense
Covers added costs of staying operational after a covered loss, like a temporary space.
Common add-ons
Many BOPs can be tailored with endorsements like equipment breakdown or data coverage.
The simple foundation for a small business
For many small and mid-sized businesses, a Business Owner Policy is the most efficient way to get essential coverage in place, combining property and liability into one package that’s often less expensive than buying each separately.
Swamp Fox helps you confirm a BOP fits your business, tailor it with the right endorsements, and add the pieces a BOP doesn’t include, like workers comp and commercial auto.
- Bundling property and liability often costs less than separate policies.
- Eligibility depends on your industry, size, and operations.
- A BOP isn’t everything. We coordinate it with comp, auto, and umbrella.
Business Owner Policy questions
What is a Business Owner Policy?
A BOP bundles commercial property and general liability, and usually business income, into one package, often at a lower cost than buying them separately. It’s designed for small and mid-sized businesses.
What doesn’t a BOP cover?
A BOP typically excludes workers compensation, commercial auto, and professional liability. We help you add those separately so your business is fully covered, not just partly.
Is my business eligible for a BOP?
Eligibility depends on your industry, size, revenue, and operations. Many retail, service, and office businesses qualify. We’ll quickly confirm whether a BOP is the right fit for you.
Can I customize a BOP?
Yes. BOPs can be tailored with endorsements for things like equipment breakdown, data and cyber exposure, and higher limits, so the package matches your specific risks.
Cover the essentials, simply.
Start a BOP quote, or call to see if it fits your business.