Business Owners Policy (BOP) – Simplified Protection for Small Businesses

Coverage for the Place You Call Home
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All-in-one Insurance Package For Main Street

A BOP combines general liability and commercial property—often with business interruption—into one convenient policy for many small and midsize businesses. Retail shops, offices, boutiques, cafés, and light service businesses in Sherwood and the Fox Cities often qualify, making it a cost-effective way to meet landlord and vendor requirements while keeping coverage organized.

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What a BOP Covers

  • Property insurance: your building (if owned), tenant improvements, business personal property, inventory, tools, and selected equipment—plus options like water backup and equipment breakdown.
  • Liability insurance: premises operations, products and completed operations, and personal/advertising injury.
  • Business income: replaces income and helps cover ongoing expenses during a covered shutdown.

You can customize with endorsements for cyber, outdoor signs, utility services, spoilage, or employee dishonesty. Separate policies still handle workers’ comp, commercial auto, or professional liability as needed.

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Questions About BOP Coverage

  • What’s the advantage of a BOP vs. separate policies?

    Typically package pricing, fewer gaps, and one renewal date—easier to manage.

  • Can I customize a BOP?

    Yes. Many options can be added for your equipment, cyber, or crime exposures.

  • What isn’t included in a BOP?

    Workers’ comp, professional liability, and commercial auto are separate policies.

  • Will a BOP satisfy my lease requirements?

    Often yes for liability and property, but we’ll review your lease to confirm endorsements and limits.

Is a BOP right for you?

A BOP often fits low-to-moderate risk operations under certain size thresholds—think neighborhood retailers, professional offices, salons, and small cafés near Lake Winnebago. If your operation is larger, higher risk, or needs specialized terms, we’ll build a Commercial Package Policy or stand-alone coverages that better match your exposures and contracts.