Business Owners Policy Insurance

A Business Owner Policy insurance (or BOP) is a good small business insurance solution. BOPs are similar to a homeowners policy, offering both property and liability protection. Ryder Rosacker McCue & Huston, a trusted commercial insurance agency, can help you learn more about BOPs. Scroll down to view the Frequently Asked Questions, where we dive into business eligibility and coverage inclusions.


North Star
EMC Insurance Companies
Continental Western Group
Auto Owners Insurance
Philadelphia Insurance Companies
The Harford
The Cincinnati Insurance Company
Nationwide Insurance
UFG Insurance
Liberty Mutual Insurance


Most small businesses are eligible for Business Owners Policy insurance as long as their operation’s total floor area is less than 25,000 square feet and their gross annual sales is greater than $3,000,000 per location. Businesses

that may want to consider a BOP include:

  • Retailers
  • Wholesalers
  • Contractors
  • Dry cleaners
  • Offices
  • Convenience stores (including those with gas pumps)
  • Restaurants (although more restrictive guidelines may apply to cooking operations)

BOPs protect more than just the building. The policy also protects business personal property, which applies whether the property is located inside or immediately outside the covered buildings. Business personal property includes assets you own, lease, control or borrow for business use. A number of features are covered under this policy, including:

Structural coverage

  • In progress and completed additions
  • Temporary structures

Fixtures and furnishing

  • Indoor and outdoor
  • Landlord furnishings
  • Floor coverings
  • Appliances (used for refrigerating, ventilating, cooking, dishwashing and laundering)
  • Machinery and equipment
  • Maintenance equipment (such as mowers, snowblowers and ladders)

What does the liability coverage include?

Business owners liability coverage provides comprehensive protection for claims or suits made by other parties. Its liability section covers losses involving physical injury or property damage to others. It also provides limited protection against personal injury (slander or libel), advertising injury and losses involving an operation's products or services.

Naturally, there are certain situations a BOP does not covered. For instance, there is no coverage for losses involving:

  • Most vehicles
  • Money and securities
  • Illegal property (like contraband)
  • Land
  • Water
  • Crops
  • Lawns
  • Watercraft

A BOP may be supplemented to provide additional protection. Some coverage options include:

Adding supplemental property insurance for:

  • Accounts receivable
  • Valuable papers and records
  • Earthquake insurance

Liability coverage can be expanded to handle:

  • Additional business interests
  • Limited vehicle liability
  • Liquor liability
Copyright © 2023 Ryder Rosacker McCue & Huston. All rights reserved.