Property and liability in one policy, priced for small business.
A Business Owners Policy bundles general liability and commercial property into a single package, usually for less than buying them separately. Blue Ridge Insurance compares BOP options for shops, offices and service businesses across Central Virginia.
The starting point for most small businesses.
A BOP combines the two coverages nearly every business needs: liability for injuries and damage you cause to others, and property coverage for your building, equipment and inventory. Most also include business income coverage, which replaces lost revenue if a covered loss forces you to close for a while.
Not every business qualifies. Carriers set limits on size, revenue and type of operation, and each one draws those lines differently. Because we represent several carriers, a business one company turns down can often still get a BOP elsewhere.
Often a good fit for
- Retail shops and storefronts
- Professional and medical offices
- Restaurants and small food service
- Contractors and service businesses
- Landlords with small commercial buildings
What a BOP typically includes
General liability
Bodily injury and property damage claims from customers, vendors and the public.
Commercial property
Your building if you own it, plus furniture, equipment, inventory and tenant improvements.
Business income
Lost income and ongoing expenses while you recover from a covered loss.
Equipment breakdown
Often available as an add-on for HVAC, refrigeration and electrical systems.
Optional endorsements
Cyber, employee dishonesty, spoilage and professional liability, depending on the carrier.
What it leaves out
Workers’ comp, commercial auto and professional errors are separate policies.
Start your BOP quote.
Tick Business Insurance in the form. A licensed advisor in our Forest office will ask about your operations, square footage and revenue, then compare carriers.
- Several carriers compared, not one
- Certificates of insurance issued quickly
- Workers’ comp and auto quoted alongside
Business Owners Policy questions
Is a BOP cheaper than buying liability and property separately?
I rent my space. Do I still need property coverage?
Does a BOP cover my employees if they get hurt?
Does a BOP cover my work vehicles?
Let’s see if your business qualifies for a BOP.
A few questions about your operations and we’ll compare carriers.