Big Protection for Small Business.

The Business Owners Policy (BOP): Your Liability, Property, and Income coverage bundled into one affordable package.

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Why Buy Two Policies When You Can Buy One?

For most small to mid-sized businesses, purchasing separate General Liability and Commercial Property policies is a waste of money.

A Business Owners Policy (BOP) is the "Home & Auto Bundle" of the commercial world. It combines your essential coverages into a single policy with one premium and one renewal date.

At River East Insurance, we recommend BOPs for retail stores, offices, coffee shops, and service businesses because they often include "bonus" coverages—like Employee Dishonesty or Equipment Breakdown—at no extra cost.

Who Qualifies for a BOP?

BOPs are designed for "Main Street" businesses with lower risk profiles:

Retail Stores & Boutiques
Offices (Accountants, Lawyers, Real Estate)
Coffee Shops & Bakeries
Barbershops & Salons
Small Contractors
IT Consultants

What is Inside a BOP?

General Liability

Protects you against lawsuits for bodily injury (slips and falls) or property damage to others. It pays for your legal defense and settlements.

Premises Liability
Products & Completed Ops
Personal Injury (Libel/Slander)

Commercial Property

Covers your physical assets. This includes the building (if you own it) and your business personal property (computers, inventory, furniture, and tools).

Building Coverage
Inventory & Stock
Tenant Improvements (Build-outs)

Business Interruption

Also known as "Business Income." If a fire or covered loss forces you to close temporarily, this replaces your lost revenue and pays fixed expenses like payroll.

Lost Net Income
Payroll & Rent
Extra Expense (Temporary Relocation)

Customize Your Bundle

A BOP is a great foundation, but no two businesses are alike. We can "endorse" (add on) specific coverages to tailor the policy to your needs.

Need coverage for spoilage? Data breach? Tools in transit? We add these riders for a fraction of the cost of a standalone policy.

✔ Cyber Liability: Essential for anyone accepting credit cards or storing client data.
✔ Hired/Non-Owned Auto: Liability for employees driving their own cars for work errands.
✔ Employment Practices (EPLI): Defense against claims of harassment or wrongful termination.

Customize My BOP

Common BOP Questions

Does a BOP cover Workers' Comp?

No. Workers' Compensation is almost always a separate policy. However, we can often quote both with the same carrier to simplify your billing.

I rent my space. Do I need a BOP?

Yes. Your landlord insures the building, but not your stuff inside (desks, computers, inventory). A BOP covers your contents and your liability.

Does a BOP cover professional mistakes?

Generally, no. A BOP covers bodily injury and property damage. If you give professional advice (like a consultant or accountant), you need a separate Professional Liability (E&O) policy.

Is it cheaper than separate policies?

Yes, significantly. Bundling Liability and Property into a BOP typically saves 15-20% compared to buying monoline (separate) policies.