What Is a Business Owner’s Policy (BOP)?
A Business Owner’s Policy—often called a
BOP—is a convenient
bundle of essential business coverages designed for small to mid-sized businesses. Instead of juggling multiple policies, a BOP combines your core protections into one streamlined package.
Most BOPs include three key coverages
General Liability
protects against third-party injuries, property damage, and legal costs
Commercial Property
covers your building (if owned) or business contents and equipment against fire, theft, and other covered losses
Business Interruption
helps replace lost income and pay ongoing expenses if a covered event temporarily shuts your business down
At B&B Insurance, we explain how each part works and tailor the package to your business—no confusion, no fluff.
Who Is a BOP Designed For?
BOPs are ideal for many small and medium businesses with a physical location or property to protect, such as:
Retail stores and boutiques
Offices and professional services
Restaurants, cafés, and studios
Service businesses with tools or equipment
Local shops and light manufacturing
If your business is larger or higher-risk, separate policies may be more appropriate—but we’ll guide you to the right solution either way.
Why Small Businesses Choose a BOP
One Policy, One Renewal
Everything is combined into a single policy with one renewal date and one premium.
Cost Savings
BOPs are typically less expensive than buying liability and property separately because insurers offer a bundled rate.
Broad, Practical Coverage
You’re protected against the most common risks—from customer injuries to fire damage to lost income during downtime.
Easier Growth
As your business changes, your BOP can be adjusted rather than starting from scratch.
What Can Be Customized in a BOP?
A BOP isn’t one-size-fits-all. We can tailor coverage with endorsements based on your industry and needs, such as:
- Increased limits for equipment, tools, or inventory
- Outdoor signs or leased equipment coverage
- Data breach or cyber endorsements (where available)
- Industry-specific add-ons like spoilage or equipment breakdown
Our job is to match coverage to how you actually operate—so you’re protected without paying for extras you don’t need.
Local Protection for Utah Businesses
Utah businesses face real-world risks—from wind or fire damage to customer injury claims. Whether it’s a storm damaging your Bluffdale office or a slip-and-fall in a South Jordan shop, a BOP helps cover both property and liability in one policy.
B&B Insurance brings local insight to make sure your property values, limits, and endorsements reflect Utah conditions and your specific location.
Business Owner’s Policy Questions, Answered
What is a BOP in business insurance?
A BOP bundles general liability, commercial property, and often business interruption into one policy for small businesses.
What does a business owner’s policy cover?
It covers third-party liability claims, damage to business property, and lost income if a covered event shuts you down temporarily.
Is a BOP cheaper than separate policies?
In most cases, yes. Bundling typically costs less than buying policies individually.
Is a BOP right for every business?
Not always. Very large or high-risk businesses may need standalone policies—but we’ll help determine the best fit.
Can you provide proof of insurance quickly?
Yes. We issue Certificates of Insurance promptly so you can move forward with jobs and leases.
Protect Your Business—Without the Headache
Small business owners across Riverton, Herriman, South Jordan, and Bluffdale rely on B&B Insurance for clear advice and smart coverage. If you want a straightforward way to protect your business from the most common risks, a Business Owner’s Policy may be the simplest and most cost-effective solution.