Business Owner's Policy (BOP)
Bundle general liability and commercial property in one affordable BOP designed for small and mid-sized businesses nationwide.
Business Owner's Policy for Growing Businesses
A Business Owner's Policy (BOP) packages essential coverages many small businesses need into one policy, often at a lower premium than buying each line separately.
Remco Insurance Services helps owners nationwide compare BOP options from multiple carriers based on industry, location, and property values.
What Is a Business Owner's Policy?
A BOP typically combines commercial general liability and commercial property insurance, and may include business income and extra expense coverage. It is designed for eligible small to mid-sized businesses with standard risk profiles.
BOPs are pre-packaged, which simplifies buying but means fewer customization options than a full commercial package policy. Not every business qualifies; manufacturing, large footprints, or high-hazard operations may need different programs.
BOP Coverage at a Glance
Core protections in one streamlined policy.
General Liability
Third-party bodily injury, property damage, and personal and advertising injury.
Commercial Property
Building, business personal property, and often outdoor signs and fences.
Business Income
Replaces lost income after a covered property loss slows operations.
Extra Expense
Pays additional costs to keep operating after a covered disruption.
Optional Endorsements
Add cyber, hired/non-owned auto, equipment breakdown, or employee dishonesty where available.
Crime & Inland Marine
Some carriers allow small tools, computers, or theft coverage by endorsement.
Why Choose a BOP?
Bundling reduces administrative work and can unlock multi-coverage discounts. For retail shops, offices, and many service firms, a BOP is the fastest path to credible limits for leases and contracts.
As you grow, we review whether you have outgrown BOP eligibility and should migrate to a commercial package without coverage gaps.
Frequently Asked Questions
Eligibility depends on industry class, revenue, square footage, and claims history. Many offices, retailers, and service businesses qualify; some high-hazard classes do not.
A BOP is standardized and economical for smaller risks. A commercial package offers more flexible limits and endorsements for larger or complex operations.
No. Workers comp is almost always a separate policy required by state law when you have employees.
Generally no. Consultants and other professionals usually need separate errors and omissions coverage.
Some carriers offer home-based business endorsements. We confirm whether your operations and property meet underwriting rules.
We transition you to a commercial package or monoline policies before renewal surprises or mid-term cancellation issues arise.
Get a BOP Quote
See how a Business Owner's Policy can simplify coverage and reduce cost for your small business.
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