Coverage Overview
A Businessowners Policy (BOP) bundles the two coverages almost every small business needs - general liability and commercial property - into one policy, usually at a lower combined premium than buying them separately.
What a BOP typically includes
- General liability coverage for third-party bodily injury and property damage claims
- Commercial property coverage for your building (if owned) and business personal property - equipment, inventory, furnishings
- Business interruption coverage for lost income if a covered loss shuts down operations
Carriers we compare
We shop BOP coverage across biBERK, Hiscox, and Next Insurance - all built for small and mid-sized businesses rather than a one-size-fits-all commercial rate.
Businessowners Insurance FAQ
What's the difference between a BOP and buying general liability and property separately?
A BOP packages both into one policy, usually at a lower combined cost, with coordinated coverage and one renewal date instead of two. The tradeoff is that BOPs are underwritten for certain lower-hazard business types and revenue sizes - not every business qualifies.
Does a BOP include workers' compensation?
No - workers' compensation is always a separate policy, required in Florida once you have employees. A BOP covers your liability and property exposure, not employee injuries.
What size or type of business qualifies for a BOP?
Generally small-to-midsize businesses in lower-hazard industries - offices, retail, restaurants, and many service businesses. Higher-hazard operations or larger revenue businesses often need coverage built as separate general liability and commercial property policies instead.