The short answer
A Business Owner's Policy bundles general liability, commercial property, and business interruption into a single discounted package for small and mid-sized businesses. It typically costs less than the same three policies bought separately, but it excludes several lines most businesses also need.
What a BOP does not include
These are separate policies or endorsements in almost every case.
- Workers' compensation — legally required in most states once you have employees.
- Professional liability (errors and omissions) for advice-based services.
- Commercial auto for vehicles used in the business.
- Cyber liability and data breach response.
- Employment practices liability for wrongful termination or discrimination claims.
- Flood and earthquake.
Who qualifies
Insurers generally limit BOPs to businesses under a revenue threshold, with a modest premises size and low-hazard operations — typically retail, offices, and light service. Contractors, restaurants, and higher-hazard trades are often steered to a commercial package policy instead.
Check your gaps
Upload your BOP declarations to PolicyPal and we list what it covers, what limits apply, and which of the common exclusions above are currently unaddressed in your programme.
Frequently asked
- Is a BOP cheaper than separate policies?
- Usually, often by 10–20%, because the insurer prices the bundle as one risk.
- Does a BOP cover business interruption?
- Yes, and this is its most valuable component — but only for interruption caused by a covered property peril, not a downturn or a pandemic.
- Can I add cyber to a BOP?
- Most insurers offer a cyber endorsement with modest limits. If you hold significant customer data, buy a standalone cyber policy instead.
Your policy is the only source of truth
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