Business Owners Policy (BOP) — Complete Protection for Small Businesses
- Running a business comes with risks, but protecting it doesn’t have to be complicated. A Business Owners Policy (BOP) bundles general liability insurance and commercial property insurance into one affordable package—giving small and mid-sized businesses the coverage they need to stay secure and compliant.
Why Covella
Simple & Flexible
- No employees required to qualify
- Short-term or ongoing coverage
- Pay-as-you-go, no hidden costs
Built for Every Business
- Perfect for start-ups and small teams
- Coverage for high-risk industries
- Designed for construction, trucking, restaurants & more
Fast & Hassle-Free
- Get a custom rate in minutes
- Paperwork kept to a minimum
- Digital proof of coverage delivered instantly
Getting Started is Easier Than You Think
01
Fill out the Appetite Check Form
02
Get a Call + Instant Quotes
03
Choose the Right Plan
04
Sign Electronically & Get Covered
Who Needs a Business Owners Policy (BOP)?
- Almost every small or mid-sized business that owns property, operates from a physical location, or interacts with customers.
- A Business Owners Policy (BOP) is ideal for companies that need both general liability insurance and commercial property insurance in one affordable package. Whether you run a retail shop, restaurant, contracting business, office, or home-based company, a BOP helps protect your assets, income, and reputation.
- Without BOP coverage, your business could face:
- Expensive lawsuits from customer slip-and-fall accidents or property damage.
- Out-of-pocket repair or replacement costs after fire, theft, or vandalism.
- Income loss if operations are interrupted by a covered event.
- Lost contracts if landlords or clients require proof of both liability and property insurance.
- Industries That Benefit from a Business Owners Policy: Retail stores, restaurants, contractors, salons, auto repair shops, coffee shops, gyms, wholesalers, IT companies, consultants, medical offices, bakeries, cleaning businesses, and more. If your business has a storefront, equipment, or customer foot traffic, a Business Owners Policy is one of the smartest, most cost-effective ways to safeguard your
What People Say About Us
- "Covella made getting workers' comp coverage so easy. I got my quote in minutes and had my certificate the same day. No hassle, no runaround — just simple, professional service."
- Michael R.
- General Contractor
- "As a small restaurant owner, I didn't think I could afford workers' comp. Covella's pay-as-you-go option was perfect for my budget, and the team walked me through everything."
- Sarah T.
- Restaurant Owner
- "I've been in trucking for 15 years and this is the first time an insurance company actually made the process easy. Quick quotes, fair prices, and real people who care."
- James L.
- Trucking Company
FAQs
No, a BOP is not legally required. However, many landlords, lenders, and client contracts demand proof of general liability and commercial property insurance—making a BOP the most affordable way to meet those requirements.
A BOP bundles general liability insurance (third-party injuries, property damage, advertising injury) with commercial property insurance (buildings, equipment, inventory). Many policies also include business interruption insurance to replace lost income during covered events.
Small and mid-sized businesses that own or rent property, rely on equipment, or have customer foot traffic should carry a BOP. Common industries include retail stores, restaurants, contractors, salons, offices, coffee shops, and cleaning businesses.
On average, small businesses pay $50–$70 per month (around $600–$850 annually). Your exact premium depends on your business type, location, property value, number of employees, and claims history.
A Business Owners Policy does not cover workers’ compensation, commercial auto insurance, professional errors (covered under professional liability insurance), or natural disasters like floods and earthquakes unless added as endorsements.
Ready to Get Covered?
- Get a custom quote today and start your coverage in minutes.
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