Frequently Asked Questions

A BOP (Business Owners Policy) is a package insurance policy designed for small to mid-size businesses. It combines several important coverages into one policy, usually at a lower cost than buying them separately. For many businesses, a BOP is the foundation of their insurance program.

Businesses That Commonly Use BOP Policies

BOPs are designed for lower-risk small businesses, such as:

• retail stores
• offices
• small contractors
• restaurants
• service businesses

•   General Liability Insurance 
•  Commercial Property Insurance
•  Business Interruption Insurance
•  Extra Expense Coverage
•  Liability for Products and Completed Operations 

Common Optional Coverages Added to a BOP

Many businesses add endorsements such as:

• cyber liability
• equipment breakdown
• hired and non-owned auto liability
• employee dishonesty coverage
• valuable papers coverage
   

What a BOP Usually Does NOT Include

Some coverages must be purchased separately:

• workers’ compensation
• commercial auto insurance
• professional liability (E&O)
• contractor tools coverage
• employment practices liability

A business vehicle insurance quote cost (commercial auto insurance) can vary a lot depending on the vehicle, driver(s), claim history and how it’s used.  Call today for quote 844-97-USAVE 

You Get Access to More Options (Not Just One Company) 

• Better pricing (real competition) 
• Better coverage options 
• Access to specialty markets (critical for trucking & contractors)

Get the RIGHT Coverage the First Time

• Identifies coverage gaps (huge in construction & trucking) 
• Adds required endorsements (AI, Waiver, PNC, etc.) 
• Structures policies correctly (GL + Auto + Umbrella + Inland Marine)

 You Save Time (And Headaches)

• Shops the market 
• Handles applications 
• Negotiates with underwriters 
• Gets you bind-ready quickly 

Get Fast Certificates & Real Support 

• Issues COIs fast 
• Handles compliance requirements from GCs & shippers 
• Fixes endorsement issues quickly