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What Does The Business Owner Policy Cover?

A Business Owners Policy, or BOP, merges general liability and commercial property insurance into one business insurance policy that protects you against lawsuits and damages. This package helps cover you for several major lawsuit risks, including those resulting from accidents, injuries, and illnesses to customers and other actions related to your business' products.

Business Owner Policy coverage

BOPs include the following types of insurance that protect businesses from contract liabilities:

General Liability Insurance

General liability insurance may protect your business against claims of copyright infringement, reputational harm, advertising injury, bodily injury, and property damage. Furthermore, clients may require you to have general liability insurance before doing business with you. If you want to expand your clients further, you want to have this kind of insurance for your business.

Commercial Property Insurance

Commercial property insurance, also called business property insurance, is a policy that may protect a business's physical assets. This can include your business building, equipment, tools, inventory, computers, business furniture, valuable papers, and business records.

Business Interruption Insurance

Business interruption insurance may reimburse you for loss of income if you have a temporary interruption in business due to a covered incident, such as a fire or windstorm. This is also known as business income insurance.

What Doesn't a Business Owner Policy Cover?

The following types of insurance are not part of a standard business owner's policy:

  • Worker's compensation

  • Professional liability

  • Commercial auto policy

  • Flood and earthquake insurance

  • Employment practices liability

Who needs a Business Owner's Policy?

If you own a company or business and want to safeguard your assets, then a business owner's policy should be the right choice. The following are some of the businesses which are eligible for BOP:

  • Retail

  • Restaurants

  • Contactors

  • Grocery stores and convenience stores

  • Landlords of apartment buildings

  • Condo associations

  • Wholesalers

  • Warehouses


Business owners have enough coverage concerns - from physical losses and equipment breakdown. Fortunately, you can now have all your business risks covered with a Business Owners Policy (BOP). BOPs are tailored to fit business owners' needs with additional coverage for risks such as copyright infringement, property damage, advertising injury, and much more.

At Second Western Insurance Services, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (818) 952-5203 or Click Here to request a free quote. Any coverage discussed is not guaranteed. Contact us today to go over your specific needs and we are happy to help you find a policy that works for you and your budget!

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