A business owner’s policy (BOP) combines property and liability insurance by packaging these coverages into a single insurance policy. BOP insurance helps cover claims of bodily injury or property damage and is often a good choice for small and medium-sized businesses, such as restaurants, wholesalers or retail shops.

The 2 main coverages provided in a BOP are liability and property coverages.


  • Product-related claims
  • Customer injury
  • Advertising injury


  • Commercial buildings
  • Movable property
  • Debris Removal
  • Loss of income and pollution cleanup as part of a covered loss
  • Policy endorsements that can extend coverage to cover exclusions

Business owner policy examples

  • Bodily injury or property damage liability (e.g., you spill water on a client’s computer causing damage)
  • Defense costs for covered liability losses (e.g., libel and slander)
  • Protection for business furniture and equipment (e.g., chairs, desks, and computers)

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