Coverage
Business Owners Policy (BOP) for Texas Small Businesses
A business owners policy, or BOP, bundles general liability and commercial property into a single, cost-effective package. It is the most popular choice for Texas small businesses that want broad protection without buying separate policies.
What Business Owners Policy (BOP) Covers
- General liability for third-party injury and property damage
- Commercial property for your building, equipment, and inventory
- Business income coverage after a covered loss
- Optional add-ons like equipment breakdown and cyber
- Bundled savings versus buying policies separately
Who Needs It
Retailers, restaurants, offices, and other small-to-midsize Texas businesses with a physical location are ideal candidates for a BOP.
Common Claims
Customer injury
A shopper is hurt in your store and the liability portion responds.
Property loss
A fire damages your space and inventory, covered by the property portion.
Lost income
You close temporarily after a covered loss and business income coverage kicks in.
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Coverage That Pairs Well
View all coverageBusiness Owners Policy (BOP) Insurance FAQs
A BOP combines general liability and commercial property into one bundled policy, usually at a lower cost than buying the two coverages separately. It is designed for small and midsize businesses.
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