Business Solutions
Business Owners Policy.
Complete Protection.
A Business Owners Policy (BOP) combines essential commercial coverages into one streamlined, cost-effective package — designed specifically for small and medium-sized enterprises.
Coverage Overview
What a BOP Covers
A Business Owners Policy is the foundation of commercial insurance for most small and medium businesses. It bundles the two most critical coverages — general liability and commercial property — into a single policy with a single premium.
This bundling approach typically results in 15–25% savings compared to purchasing these coverages separately. It also simplifies your insurance program with a single renewal date and a single point of contact.
Our advisors will customize your BOP with the right endorsements for your specific industry, ensuring you have comprehensive protection without paying for coverage you don't need.
BOP at a Glance
Coverage Components
What's Included in Your BOP
General Liability
Protects against third-party bodily injury and property damage claims arising from your business operations, products, or completed work.
Commercial Property
Covers your building, equipment, inventory, and business personal property against fire, theft, vandalism, and other covered perils.
Business Income
Replaces lost revenue and covers ongoing expenses if your business is forced to close temporarily due to a covered property loss.
Equipment Breakdown
Covers the cost to repair or replace mechanical and electrical equipment that breaks down due to internal causes.
Hired & Non-Owned Auto
Extends liability coverage to vehicles used for business purposes that are not owned by your company.
Employee Dishonesty
Protects against financial losses caused by fraudulent or dishonest acts committed by your employees.
Who We Serve
Industries We Specialize In
We have structured BOP programs for businesses across dozens of industries in Massachusetts. Our carrier relationships give us access to specialty programs with enhanced coverage and competitive pricing for specific business classes.
FAQs
What is a BOP and who qualifies?
A Business Owners Policy (BOP) bundles general liability and commercial property coverage into a single, cost-effective policy. Most small-to-medium businesses with under $5M in revenue and fewer than 100 employees qualify.
How is BOP pricing determined?
Premiums are based on your industry classification, location, building size, revenue, claims history, and selected coverage limits. Independent agencies like ours can shop multiple carriers to find the most competitive rate.
Can I add coverages to a BOP?
Yes. BOPs are highly customizable. Common endorsements include cyber liability, professional liability, liquor liability, and employment practices liability.
What is NOT covered by a BOP?
Standard BOPs exclude professional liability (E&O), workers' compensation, commercial auto, and flood. These require separate policies.
Protect Your Business Today
Get a customized BOP quote from our commercial lines specialists. We'll shop 20+ carriers to find the best coverage at the most competitive rate.
Request a BOP Quote