Business Owners Policy
Bundled Coverage
A Business Owners Policy combines general liability and commercial property into a single policy with one premium and one renewal date. For most small to mid-size businesses, a BOP is the most cost-effective foundation for a complete insurance program — and the starting point for building a comprehensive coverage structure.
Business Owners Policy
What You Need to Know About Bundled Coverage
General Liability Component
The GL portion covers third-party bodily injury, property damage, and advertising injury claims — the same protection as a standalone GL policy, integrated into the BOP framework at a combined rate.
Commercial Property Component
Buildings, equipment, and business personal property are covered against fire, theft, wind, and other named perils. Coverage applies at your primary location and can be extended to other business premises.
Lower Combined Premium
Carriers offer BOPs at a discount compared to purchasing GL and property separately — typically 10–20% lower total premium for the same underlying limits. For businesses that need both coverages, the BOP is almost always the better value.