What a Business Owners Policy Covers
General Liability
Customer injuries and property damage claims, like a slip-and-fall in your store.
Commercial Property
Your building, furniture, inventory and equipment after fire, theft, wind or hail.
Business Income
Replaces lost income and pays ongoing bills if a covered loss forces you to close temporarily.
Optional Add-Ons
Data breach, equipment breakdown, spoilage and professional liability, depending on your business.
Hail & Wind
Protects signs, roofs and storefronts from the storms that hit West Texas every spring.
Who We Help
Retail Shops & Boutiques
Offices & Professional Services
Restaurants & Cafés
Salons, Studios & Local Services
Business Owners Policy FAQs
What is the difference between a BOP and general liability?
General liability covers claims from others. A BOP bundles that liability with property and business income coverage, usually for less than buying each policy separately.
Who qualifies for a business owners policy?
Most small, lower-risk businesses with a modest building or space and revenue qualify. Higher-risk operations, like roofing, may need separate policies instead.
Does a BOP include workers' comp or commercial auto?
No. Workers' comp and commercial auto are separate policies. We can quote them together so nothing falls through the cracks.