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A business owner’s policy for small businesses.

Property, general liability and business income coverage combined in one policy, for small businesses that qualify. A licensed agent talks through whether a BOP fits yours.

Request a quoteWhat it covers

Or call (619) 382-3810, Monday to Friday, 8:30am to 5pm Pacific.

What it covers

What applies, and how much, depends on how your business actually runs.

  • PropertyThe building or space you use and the business property in it, such as furnishings, inventory and equipment.
  • General liabilityClaims that the business caused someone injury or property damage.
  • Business incomeIncome lost after a covered disaster, plus the extra expense of operating from a temporary location.

FAQ

Business owner’s policy, explained plainly

What is a business owner’s policy?

A BOP is a package policy designed for small businesses. It combines property coverage, general liability and business interruption (business income) coverage in one policy.

Which businesses qualify?

BOPs have strict underwriting guidelines, such as a maximum square footage. Insurers look at the size of the premises, the liability limits needed, the type of business and how much work happens off site. Small “main street” businesses, such as shops and small offices, are the usual fit.

What is business income coverage?

It compensates the owner for income lost after a disaster that disrupts operations, and covers the extra expense of operating out of a temporary location.

Can I add coverage to a BOP?

Yes. Additional coverages can be added for specific risks. For example, an outdoor sign isn’t covered unless coverage for it is added.

What affects the price of a BOP?

The size of the premises, the liability limits, the type of business and off-site activity, plus the location, the building’s construction, security features and fire hazards.

Sources: California Department of Insurance, Commercial Insurance Guide · Insurance Information Institute, small business insurance basics. Coverage, price and approval are decided by the insurance company.

What to have ready

  • What the business does and where it operates
  • Roughly how much space you use, and whether you own or lease it
  • What you have in place now, if anything

What happens next

  1. Tell us what you need. A few quick questions. It takes about two minutes.
  2. We review it. Someone licensed reads every request.
  3. We reach out. We talk it through with you. There is no obligation.
Request a quoteCall (619) 382-3810

Not sure which coverage you need?

Tell us how the business runs. A licensed agent works through which coverage belongs in the conversation.

Start the conversation

You may also need

  • If you request a quote, a licensed insurance agent may contact you.
  • Insurance: Coverage, price and approval are decided by the insurance company.