Business Owner Policy

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A BOP is a type of commercial insurance intended for small and medium-sized businesses. BOPs bundle general liability insurance and property insurance into a single policy making them typically a more affordable alternative over separately purchased policies.

BOPs aren’t for all types of businesses, primarily because insurance companies offer them only for specific businesses. However, most common small to medium-size businesses such as offices, retail stores, restaurants, and many others are often a great fit for the BOP program. Since BOPs not only offer bundled savings but also a wide array of extra coverages, looking into a BOP should be the first step for a business owner.

Just with all other insurance policies, there are exclusions, limitations and optional coverages.

Exclusions & optional coverages for BOPS

Business owner’s policies usually do not automatically include the following types of insurance:

  • Earthquake
  • Flood
  • Liquor liability insurance for businesses that sell or manufacture alcohol
  • Professional liability insurance
  • Crime & Fidelity
  • Workers’ compensation
  • Health insurance
  • Disability insurance
  • Auto insurance
  • Ordinance or Law

All of the exclusions listed above can potentially be added through an endorsement or a separate policy.

Are you a good fit for a business owner’s policy?

The best way to find out is to give us a call at 425-242-5252. Our wide network of carriers offer a variety of BOPs that could give you the peace of mind that you deserve. If you already have a BOP that you have not reviewed in over a year, we strongly encourage you to take a look. A few minutes spent with a licensed agent can mean the difference between thinking you are covered to knowing that you are covered.

If you own one of the businesses listed below you can also find some additional information and tips that you should be aware of.

Specific industries we deal with

Business insurance, also known as commercial insurance, can help protect your business from unexpected expenses related to property damage, legal liability, workers’ compensation, and more. Whether you are just starting out and shopping for a small business insurance or just looking for better rates or coverage, having the right insurance policy can make all the difference when you really need it. Help protect your business against financial risk with a business insurance policy that’s right for you.


Apartments & Condos


Automotive Industry








Farm & Ranch


Health & Beauty


Health & Fitness


Hotels/ Motels


Human Services




Limos & Livery




Medical Professionals






Restaurants & Bars


Retail Stores


Tech Companies


Trucking Deliveries

Our Insurance Partners

The great thing about an independent insurance brokerage like the DOK Insurance Agency is that we can offer insurance policies from literally hundreds of insurance companies and still be your advocate to each one of them.

We are an independent insurance brokerage that offers a wide variety of services.

We have seen and gone through a lot of changes since we opened our doors in 2008, but one thing hasn’t changed: We are a family owned business that not only care about our clients but also about the communities that we live in.


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Clients & Families


Insurance Products


Insurance Companies

Ready to schedule your service?

As an all-lines insurance brokerage, we are proud to offer great options to protect you no matter what your property needs are. Talk to one of our agents now or request a free quote below so we can help you decide how much and what type of coverage is right for you.

Get a free insurance quote today

What our customers are saying about us

At Bauer Construction, customer satisfaction is our ultimate goal. See what Bauer clients have to say about a variety of services that we provided for their projects.