General Liability
Helps cover defense and damages for covered third-party bodily injury, property damage, and personal or advertising injury claims.
Business Owner's Policy
A practical package of property and liability coverage for eligible small businesses.
A Business Owner’s Policy combines common protections—typically general liability, business property, and business income—into one policy, with optional endorsements for other needs.
Please use the form for initial information only. We will guide secure next steps when more detail is needed.
Who it is for
Eligible small and midsize businesses with relatively predictable premises, property, revenue, and liability exposures that fit a carrier’s BOP underwriting rules.
What matters before you compare
- Not every business qualifies; industry, revenue, size, property, cooking, products, and claims matter
- A BOP generally does not include workers’ comp, commercial auto, or professional liability
- Limits for building, contents, business income, equipment, and liability should match the actual operation
How the process works
01
Tell us what you need
02
We review the risk and available markets
03
A licensed agent explains the options
04
You decide whether to proceed
Coverage education
Common coverages and policy features
Exact coverage depends on the policy form, limits, deductibles, endorsements, exclusions, and carrier approval. These explanations are educational and do not replace the policy contract.
Business Personal Property
Helps repair or replace covered furniture, equipment, inventory, and supplies at scheduled premises after a covered cause of loss.
Building or Tenant Improvements
Can cover an owned building or the insured improvements and betterments a tenant has installed, depending on the property selections and lease responsibilities.
Business Income
May replace covered lost income when operations are suspended because of direct physical damage from a covered cause of loss.
Extra Expense
Helps pay eligible additional costs to avoid or reduce a covered suspension, such as temporary space or expedited equipment replacement.
Equipment Breakdown (Optional)
An optional endorsement that may cover sudden mechanical, electrical, pressure-system, or certain electronic breakdown losses that standard property coverage may exclude.
Start a quote
Business Owner's Policy request
Share the basics for this product. We will review the request and guide the next step based on available markets, eligibility, and underwriting requirements.
Prefer to start with a conversation?
Message us directly. If we need documents or sensitive information, we will guide you to a secure next step.
Chat on WhatsAppPlease use the form for initial information only. We will guide secure next steps when more detail is needed.
Business Owner's Policy: Frequently asked questions
What does a BOP usually include?
A BOP typically packages commercial property, business income or interruption, extra expense, and general liability. Exact forms, limits, and included extensions vary by carrier.
How is a BOP different from general liability?
General liability mainly protects against covered third-party claims. A BOP adds property and business-income protection, plus package features and endorsements.
Does every business qualify for a BOP?
No. Carriers limit eligible classes, revenue, payroll, square footage, locations, property values, operations, cooking, products, and loss history. Higher-hazard businesses may need separate policies.
Does a BOP include workers’ comp?
Generally no. Workers’ compensation is usually a separate policy with its own statutory benefits, payroll, class codes, audit, and employer-liability coverage.
Does a BOP include commercial auto?
Generally no. Owned, hired, or non-owned vehicle exposures require separate commercial-auto coverage or an appropriate endorsement when available.
Does it include professional liability or cyber?
Not automatically. Some carriers offer limited endorsements, but a dedicated professional-liability or cyber policy may provide broader, more suitable protection.
How should business property limits be selected?
Inventory equipment, furniture, stock, signs, computers, and tenant improvements at replacement cost. Review seasonal increases, property away from premises, and sublimits.
When does business-income coverage apply?
It generally requires covered direct physical damage that suspends operations, subject to the period of restoration, waiting period, limit, and policy conditions. It does not cover every reason revenue declines.
Does submitting the form create a policy?
No. The form starts the review. Coverage exists only after the carrier approves the risk, the terms are accepted, payment requirements are met, and the effective date is confirmed.
How does TerraBridge help with this decision?
TerraBridge gathers the initial context, checks markets available for business owner's policy, and explains relevant coverages, limits, deductibles, and tradeoffs. Final approval and issuance remain subject to carrier underwriting.
Insurance products are subject to underwriting approval, carrier availability, eligibility, terms, conditions, limitations, and exclusions. Submitting a request does not bind coverage, guarantee a quote, or create an insurance policy. Coverage is only effective when confirmed by the applicable carrier or authorized platform.