General Liability
Third-party injury, property damage and advertising injury claims against your business.
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Business Owners Policy
Property and general liability bundled into one policy for small and mid-sized firms.
What this cover does
A BOP packages the two covers almost every business needs — property and general liability — at a lower combined price than buying them apart. It suits firms below a size and risk threshold set by each carrier; above that, cover is built line by line.
Typically included
- Commercial property — building, contents, stock and equipment
- General liability for third-party injury and property damage
- Business interruption and lost income after a covered loss
- Products and completed operations liability
- Personal and advertising injury
Common add-ons
- Cyber liability endorsement
- Equipment breakdown
- Employment practices liability
- Professional liability where the trade needs it
- Hired and non-owned auto
Questions
What people ask about bop
Is a BOP enough on its own?
It covers property and liability. It does not include workers compensation, commercial auto or professional liability, and those are usually written alongside it.
Why was my business declined for a BOP?
Eligibility turns on trade, revenue, square footage and loss history. Firms outside it are written on a commercial package instead, which is more flexible and priced separately.
Often taken together
Related cover
Commercial Property
Buildings, contents, stock and equipment against fire, theft and weather.
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Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.