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Business Owner's Policy (BOP)

A Business Owners Policy (BOP) combines several core business insurance protections into one package policy.

Depending on the business and carrier, a BOP may include:

  • General Liability Coverage

  • Business Personal Property Coverage

  • Business Interruption Coverage

  • Equipment Breakdown Coverage

  • Hired & Non-Owned Auto Coverage

  • Additional Insured Endorsements

Assistance for New Business Owners

Opening a business often involves more than simply purchasing insurance. I help small business owners navigate insurance requirements that often arise when signing leases, opening retail locations, or joining franchise systems:

  • Reviewing landlord, property management, and/or franchisor insurance requirements to help build a compliant Business Owners Policy (BOP)

  • Coordinating Additional Insured designations and Certificates of Insurance (COIs) for landlords, property managers, franchisors, and other required parties

  • Helping ensure certificates and supporting documents are prepared in time for important milestones such as lease signing, key release, construction start dates, or tenant occupancy

  • Assisting with coverage considerations for equipment, inventory, business personal property, property in transit, off-premises property, theft exposures, and related operational risks

  • Discussing optional protections such as hired/non-owned auto coverage, equipment breakdown coverage, cyber liability, inland marine coverage, and money & securities coverage

    I can work directly with lease documents and insurance requirement summaries to help ensure policies are structured appropriately and submitted on time.

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