Commercial Insurance
Business Owner’s Policy
A package of property, liability, and business income coverage for eligible small and midsize businesses.
What It Is
A business owner’s policy (BOP) combines commercial property, general liability, and business income coverage into one policy, often at a lower cost than buying them separately. Eligibility depends on the type and size of the business, and many trucking operations don’t qualify because of their auto exposure.
What It Typically Covers
- Your building, equipment, and inventory
- General liability for your premises and operations
- Lost income after a covered property loss
Common Gaps to Watch For
- Eligibility limits. Many trucking, towing, and larger operations don’t qualify.
- No auto coverage. Vehicles need auto policies.
- No workers’ compensation or professional liability.
- Package limits may be lower than buying coverages separately.
Who Usually Needs It
Eligible small and midsize businesses, such as offices, some repair shops, and smaller warehouses.
What Underwriters Consider
- Business type and revenue
- Building and property values
- Number of employees
- Claims history
Questions to Ask
- Is my business eligible?
- Are the package limits high enough?
- What would I need to add separately?
- Would separate policies serve me better?
All coverage is subject to policy terms, conditions, and exclusions.
Last reviewed: November 1, 2026
If You Win, We Win.
Every business deserves an agent who understands its operation, represents it honestly, and stays engaged after the policy is bound.
Licensed in Illinois.