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.

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.

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.