Business Owners Policy (BOP)

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A Business Owners Policy (BOP) combines essential coverages — general liability and commercial property insurance — into one cost-effective policy. It’s designed for small to mid-sized businesses that want complete protection without paying for unnecessary policies.

We proudly offer BOP insurance to businesses across New York, New Jersey, Connecticut, and Florida.

🛡️ What a Business Owners Policy Includes

✔ General Liability Insurance

Protects your business from claims involving bodily injury, property damage, and personal/advertising injury.

✔ Commercial Property Insurance

Covers your building, contents, inventory, furniture, computers, equipment, and more.

✔ Business Interruption (Loss of Income)

Covers lost income and operating expenses if your business must shut down temporarily due to a covered loss.

⚙️ Optional Add-Ons for a BOP

✔ Equipment Breakdown Coverage

Protects motors, boilers, electrical systems, computers, and other equipment from sudden breakdowns.

✔ Cyber Liability Coverage

Covers data breaches, cyberattacks, lost income, and required notifications.

✔ Hired & Non-Owned Auto Liability

Covers employees using personal or rented vehicles for business.

✔ Outdoor Signs & Property

Protects signage, fencing, and outdoor features.

✔ Professional Liability (Optional Add-On)

Covers mistakes, omissions, or negligent services that cause financial harm.

🏪 Who Should Have a Business Owners Policy?

✔ Retail Shops & Boutiques

Clothing stores, salons, pet stores, barbershops, etc.

✔ Professional Offices

Doctors, dentists, accountants, law firms, consultants, agents, etc.

✔ Restaurants & Food Services

Cafés, delis, small restaurants, and bakeries.

✔ Contractors & Trades

Small contractors needing liability + property in one package.

✔ Home-Based Businesses

Homeowners insurance does NOT fully protect business property.

💲 How Much Does a BOP Cost?

Your BOP premium depends on:

  • Industry type
  • Business size
  • Number of employees
  • Property value
  • Equipment
  • Claims history
  • Business location

We compare multiple carriers to provide the best coverage, cost, and protection for your business.

⭐ Why Choose Our Agency?

🔹 Custom BOP Packages for Your Industry

We tailor each policy to your business size, risks, and operations.

🔹 Top Commercial Insurance Carriers

We work with nationally recognized insurers offering strong business coverage.

🔹 Competitive Pricing & Bundle Savings

Save when combining BOP with commercial auto, workers’ comp, or umbrella.

🔹 Fast Certificates of Insurance (COIs)

Essential for contractors, landlords, and businesses needing proof of coverage quickly.

🔹 Multi-State Expertise

Ideal for businesses operating in NY, NJ, CT & FL.

🌎 Areas We Serve

We proudly provide Business Owners Policy Insurance in:

New York:
Long Island • Nassau & Suffolk County • NYC • Westchester • Upstate NY

New Jersey:
North, Central & South Jersey

Connecticut:
Fairfield County & surrounding areas

Florida:
Miami-Dade • Broward • Orlando • Tampa • Juniper • Palm Beach • Ford Lauderdale • Other nearby regions

📝 Frequently Asked Questions

Not legally, but most landlords, vendors, and job sites require liability and property insurance.

A BOP includes general liability + commercial property + business interruption.
General liability alone only covers injury/property damage to others.

No. Workers’ compensation is a separate policy.

Yes — many carriers offer professional liability endorsements.

Yes — if the cause of shutdown is a covered loss (fire, storm damage, etc.).

Yes — and they should. Home insurance will NOT fully cover business assets.

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Protect what matters most with coverage you can count on.

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