Business Owner’s Policy (BOP)

Business property and liability insurance in a single, comprehensive BOP.

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A more efficient, cost-effective way to protect your business

A Business Owner’s Policy (BOP) combines property insurance and general liability coverage. In bundling them together, a BOP often costs less than purchasing each coverage option separately.

Coverage where it counts

A Business Owner’s Policy typically covers two broad categories:

electrician has bop insurance for his small business

Property Insurance

  • Covers structures and permanently attached equipment that your business owns or leases
  • Protects business property, such as machinery and raw and completed products
  • Provides business interruption coverage, which helps protect your business in the event of a natural disaster

cafe barista confidently makes latte

General Liability

  • Protects against third-party claims for property damage or bodily injury due to operations on your premises or products liability
  • Covers the cost of your legal defense and any settlement or award should you be successfully sued
  • Protects against your liability as a tenant if you cause damage to a property that you rent
  • Covers claims of false or misleading advertising, including libel, slander and copyright infringement

Cafe owner checks insurance policy on his laptop

Having the right partner on your side.

Businesses need insurance to help mitigate risks. Automated Data Processing Insurance Agency, Inc. (ADPIA®) has been helping businesses find the right coverage for nearly 30 years.

Together, we’ll develop a strategy that protects you and your business from the unexpected. Then we'll connect you with the carrier that best meets your needs.

Common questions about business owner's policy insurance

What types of insurance coverage can be bundled in a Business Owner's Policy (BOP)?

A BOP is a policy for businesses that combines property insurance, liability insurance, crime coverage and additional protection into one convenient package. Most insurance carriers have customized bundles to help protect unique industries.

If I have a BOP policy, do I need any other business insurance?

You should always consult with a licensed agent to discuss what coverage is appropriate for your business.

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