Business Owners Policy.
A convenient insurance package that may combine common property and liability coverages for qualifying small and midsize businesses.
Simplified Coverage for Qualifying Businesses
A Business Owners Policy, or BOP, bundles common property and liability coverages into a single package designed for qualifying small businesses. It can be a convenient and cost-effective way to help protect your business. We help Texas business owners understand whether a BOP fits their needs.
What This Coverage Can Help Protect
Property Coverage
Help protect your building and business personal property from covered losses.
General Liability
Help protect against certain third-party bodily injury and property damage claims.
Business Interruption
May help with lost income after a covered loss, where applicable.
Convenience
Combined coverages in one package can simplify insurance management.
Coverage Considerations
Eligibility
BOPs are designed for qualifying small businesses. Larger or higher-risk operations may need a custom policy.
Coverage Limits
BOPs have set limits that may not meet the needs of every business.
Industry Fit
Retail businesses, offices, and service businesses often qualify for BOPs.
Additional Coverages
Some coverages may need to be added separately to a BOP.
Who This Coverage Is For
Retail Businesses
Small retail shops and stores that qualify for a BOP package.
Offices
Professional offices and service providers that meet BOP eligibility.
Service Businesses
Small service businesses looking for combined property and liability coverage.
What type of property?
Select the property type that best describes your building.
Business Owners Policy (BOP) Questions, Answered
A BOP is a package that combines common property and liability coverages for qualifying small businesses. It can simplify insurance and may offer cost savings compared to separate policies.
Eligibility depends on factors like your industry, size, and property type. We help you determine whether a BOP is available for your business.
A BOP bundles coverages together at set limits. Separate policies offer more customization but may cost more. We help you compare.
Yes, many BOPs allow additional coverages to be added. We'll discuss what's available and what fits your business.
Ready to Explore Your Options?
Start with a few details and let our team help with the rest.
Coverage Disclaimer: This page is for informational purposes only and does not describe any specific insurance policy. Coverage, availability, eligibility, features, discounts, and limits vary by product and jurisdiction and are subject to policy terms, conditions, limitations, and exclusions. Actual terms, limits, exclusions, eligibility, and availability depend on the selected policy and insurer. Contact Texas Commercial Property Insurance to discuss your specific situation and available options.