Business Insurance
Business Owners Policy
Packaged property and liability coverage for eligible small and mid-size businesses.
Overview
Understanding business owners policy
A Business Owners Policy (BOP) combines commercial property and general liability in a single package, often with optional coverages for smaller eligible risks. BOPs can provide efficient baseline protection, though growing or specialized operations may need standalone policies or endorsements.
Coverage Scope
What this coverage can help address
These are common areas programs may address. Specific terms depend on carrier forms, endorsements, and your operations.
- Building and business personal property
- General liability
- Business income
- Equipment breakdown options
- Optional crime and inland marine endorsements
Planning
Common coverage considerations
Factors that often influence limits, endorsements, and carrier selection.
Eligibility restrictions by occupancy and revenue
Coverage gaps for specialized operations or high limits
Endorsement needs as the business scales
Comparison with standalone property and liability programs
Coverage availability and eligibility depend on carrier underwriting guidelines, state requirements, and individual risk details.
Fit
Ideal for
Organizations and individuals who commonly evaluate this line of coverage.
Small to mid-size businesses with standard risk profiles
Retail, office, and light service operations
Organizations seeking simplified baseline coverage
Businesses eligible for packaged carrier programs
Related
Other business insurance lines
Explore additional coverage areas within business insurance.
General Liability
Protection for third-party bodily injury, property damage, and advertising injury claims.
Learn moreCommercial Property
Coverage for buildings, equipment, inventory, and business personal property.
Learn moreWorkers Compensation
Statutory coverage for work-related employee injuries and occupational illnesses.
Learn moreDiscuss business owners policy with an advisor
Submit your information and a Northshore advisor will review your situation and outline appropriate next steps.
Submitting this form does not bind coverage, create a policy, or guarantee pricing. A licensed advisor will review your information and follow up directly.