Business Owners Policy, liability and property in one.

A Business Owners Policy (BOP) combines general liability and commercial property coverage into a single package designed for small and mid-sized businesses.

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Business Owners Policy

For many ND and MN owner-operated businesses, a BOP is the smart starting point, and Kain Carlson can layer additional coverages on top to build a complete program.

01, Bundled Coverage

Bundled Coverage

General liability and commercial property combined in one policy.

Learn More →02, Business Income

Business Income

Loss of income coverage built into most BOP packages, protecting your revenue stream while you recover from a covered property loss.

Learn More →03, Customizable

Customizable

Endorsements to add coverage for your specific industry, operations, and risk exposures, building a complete program on a BOP foundation.

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Is a BOP Right for Your Business?

BOPs are designed for businesses that meet certain criteria, generally small to mid-sized operations with moderate risk profiles. Not every business qualifies, and not every business that qualifies should use one. Kain Carlson helps ND and MN business owners evaluate whether a BOP is the right foundation or whether individual policies give you better coverage and flexibility.

Qualifying Businesses
BOPs are generally available to businesses with revenues under a certain threshold, limited premises, and operations that fall within the carrier's eligible class codes. Kain Carlson checks eligibility as the first step of the review.
What's Included
General liability, commercial property (building and business personal property), business income and extra expense, all in one package with standardized limits that can often be adjusted.
What's Not Included
Workers' compensation, commercial auto, professional liability, and employee benefits are not part of a BOP, they must be purchased separately or added as endorsements where eligible.
When to Go Beyond BOP
As your business grows, a BOP may no longer provide adequate limits or breadth of coverage. Kain Carlson reviews your program annually and helps you transition to a more customized program when the time is right.
Find Out If a BOP Is Right for You
Licensed in ND & MN · Based in Fargo
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