Business Owners Policies That Simplify Business Insurance
One Policy That Covers Your Business Property & Liability Needs
A Business Owners Policy-commonly known as a BOP-bundles essential business coverages into one easy-to-manage plan. It's a simple, cost-effective way for small and midsize businesses to protect their space, equipment, and daily operations. Whether you own a shop, office, or service-based business, we'll help you build a BOP that fits your risks and your budget. We proudly serve businesses across Illinois, Michigan, Minnesota & Wisconsin.
What’s Typically Covered
A BOP combines the most essential types of business insurance into one streamlined policy. Here's what it typically includes:
Commercial Property Coverage
Protects your building (if you own it) or business contents (if you lease) from damage caused by fire, theft, vandalism, or storms. This includes inventory, furniture, computers, and improvements made to your space.
General Liability Insurance
Covers you if someone is injured at your business or if you're held liable for property damage. It includes legal defense costs and settlements-so you're not footing the bill after a slip-and-fall or a customer claim.
Business Interruption Insurance
Helps replace lost income and cover ongoing expenses if you're forced to temporarily shut down due to a covered claim. It keeps your operation afloat while you recover.
Equipment Breakdown Coverage
Often included or optional with a BOP, this helps pay for repairs or replacement of essential systems like HVAC, refrigeration, computers, or other business-critical machinery.
Employee Dishonesty Coverage
Some BOPs offer limited protection if an employee steals cash, inventory, or property from your business. It's an added layer of internal protection for small teams.
Add-Ons That Matter
BOPs are flexible. These additional coverages help customize your policy for your unique operations:
Cyber Liability Insurance
Covers the costs of a data breach, including customer notification, legal fees, and credit monitoring. Ideal for any business that stores customer or payment data digitally.
Hired & Non-Owned Auto Liability
Protects your business if an employee drives their own car or a rented vehicle for work and gets into an accident. Essential if your team makes deliveries, site visits, or client runs.
Employment Practices Liability (EPLI)
Helps cover defense costs and settlements tied to claims of discrimination, harassment, wrongful termination, or other employment-related issues.
Professional Liability / E&O
Adds coverage for mistakes or advice that lead to financial harm. Great for consultants, real estate agents, IT firms, or anyone offering professional services.
Tenants Betterments Coverage
Protects upgrades you make to a leased space-like new flooring, built-in furniture, or signage-that wouldn't be covered under your landlord's policy.
Three ways we help
We build BOPs that actually fit. We tailor coverage based on your space, team, and client needs-not cookie-cutter packages.
We make changes easy. Opening a second location? Hiring staff? We'll adjust your policy as your business grows.
We compare multiple carriers. You get competitive pricing and flexible options without having to shop around yourself.
Frequently Asked Questions
What types of businesses are eligible for a BOP?
BOPs are ideal for small to midsize businesses that need both property and liability coverage. This includes retailers, offices, contractors, and many service-based businesses. We'll help confirm eligibility.
Is a BOP cheaper than separate policies?
In most cases, yes. Bundling property and liability coverage under a BOP often results in lower premiums compared to buying policies separately. We'll compare both options to make sure you get the best value.
Can I add extra coverage to my BOP later?
Absolutely. BOPs are flexible, and you can add endorsements or additional policies as your business grows or your risks change. We'll help you keep your coverage up to date.
Does a BOP cover employees or workers comp?
A basic BOP doesn't include workers compensation, but we can help you set up workers comp and other employment-related coverages alongside your BOP.
What's not covered by a BOP?
BOPs typically don't cover flood damage, earthquake damage, or auto-related risks. We'll review what's excluded and help fill in any gaps with additional policies if needed.
Protect Your Business with One Simple Policy
A Business Owners Policy is an easy way to cover your most important business risks-without overcomplicating your insurance plan. We'll help you compare options, simplify the process, and build a BOP that works for your operations today and in the future.