Business owners have a lot to consider when choosing insurance that fully protects their business. One coverage option, a business owners policy (BOP), bundles several types of coverage in one package and is designed for small and midsized businesses.

BOP Key Features

A BOP generally combines the following types of coverage in one convenient bundle:

  • Commercial property insurance—Covers losses to property from common perils. It also covers items like office equipment, furniture, inventory, machinery, raw materials and computers.
  • General liability insurance—Protects a business from damages caused by bodily injury or property damage for which it is found to be legally liable.
  • Business interruption insurance—Reimburses a business for loss of income, reduced profits, and ongoing operating expenses if a covered disaster interferes with the successful operation of the business.


Small to midsized businesses need to meet specific criteria to be eligible for a BOP. When determining eligibility, insurers consider factors that include the type of business, size of its primary location, class of business and revenue. Premiums for BOP policies are based on eligibility factors, as well as financial stability, building construction, security features and fire hazards.

Contact Evergreen Insurance, LLC for guidance as to whether a BOP is a logical choice for your business.