General Liability built for you
We can provide a stand-alone general liability policy or a business owner’s Policy that includes your business's personal property, such as equipment, inventory, tenant improvements, and more.
- Competitive pricing for all industries, including roofing and general contractors.
- $0 deductible option with blanket endorsement forms like Additional Insured, Completed Operations, Waiver of subrogation, and primary and non-contributory wording.
- A businessowner’s Policy with a Total Insured Value (TIV) of up to $50M that can include wind coverage on your building and personal property.
- Same Day Certificate. Never wait for payment or to get on a job site again. We issue certificates on the same day you request, usually within the hour.
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Are BOP's affordable?
Yes! BOPs are generally more affordable than purchasing individual policies for each coverage, making them a cost-effective option for SMBs.
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Does a BOP make coverage easier?
We think so! Managing one policy is easier than juggling multiple policies, thus simplifying insurance administration.
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How much coverage do I need?
The level of BOP coverage required is determined by various factors, including the nature and scale of your business, the number of employees, and the typical clientele you serve.
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Are independent contractors covered by my BOP?
Not typically. A business owner’s policy is designed to cover you and your employees.
Key Aspects of a BOP
Combined coverage: BOPs typically bundle general liability insurance and commercial property insurance into one policy.
General liability insurance:
General liability insurance protects your business from claims arising from bodily injury or property damage to others caused by your business operations, products, or employees.
Commercial property insurance:
Commercial property insurance covers your business's physical assets, such as buildings, equipment, and inventory, against losses due to fire, theft, vandalism, and other covered perils.
Additional coverage options: Many BOPs allow you to add endorsements or riders for additional coverage, such as:
Business interruption insurance:
Business interruption insurance covers lost income if your business is forced to close due to a covered event.
Crime insurance:
Crime insurance protects against theft, embezzlement, and other crimes.
Commercial auto insurance:
Commercial auto insurance covers business vehicles.
Data breach insurance:
Data breach insurance covers costs associated with a data breach.
We're the Business Owner's Policy (BOP) Pros!
A Business Owner's Policy (BOP) is a package insurance designed specifically for small and medium-sized businesses (SMBs). It combines several essential coverages into one convenient and cost-effective policy, offering peace of mind and financial protection against various risks.

Overall, a BOP is a valuable insurance tool for SMBs, offering comprehensive protection, peace of mind, and cost-effectiveness. If you own a small business, consider consulting with an insurance agent to see if a BOP is right for you.
Here's What You Can Expect
- Your business is covered, without juggling multiple policies
- Reduced risk of lawsuits
- Comprehensive protection
- Potential discounts
- Financial security
- Peace of mind
