BUSINESS OWNER’S POLICY (BOP)
Business Owner’s Policy for Florida Small Businesses
Bundle Liability and Property
Bundle general liability and commercial property with business income in one policy that saves money and keeps contracts simple.
What You Get
What You Get in a BOP
General Liability for customer injuries, property damage, and advertising injury
Commercial Property for your building, equipment, inventory, and tenant improvements
Business Income and Extra Expense to replace lost income while you recover from a covered claim
Equipment Breakdown for electrical or mechanical failure, including HVAC
Signs and Glass on premises
Debris Removal and related sublimits
We size limits to your contracts and lenders and explain deductibles so there are no surprises.
Smart Florida Add-Ons
Boost your BOP with targeted endorsements:
Hired and Non-Owned Auto when employees drive their own cars for business
Inland Marine for tools and portable equipment away from your premises
Ordinance or Law for building code upgrades after a loss
Water Backup from sewers or drains
Cyber Liability for data breach and ransomware events
Crime and Employee Dishonesty for theft by insiders
Spoilage and Food Contamination for restaurants and markets
Outdoor Signs and Fences scheduled by value
Flood Insurance through NFIP or private markets (not included in a standard BOP)
Why Florida Businesses Choose Us?
Florida based commercial team that understands wind, roof, and ordinance requirements
We compare multiple carriers to find strong terms and the best price
Same day Certificates of Insurance for jobs and landlords
Contract review for additional insured, primary and noncontributory, and waiver of subrogation
Annual coverage reviews, inspection support, and claims advocacy
Bilingual friendly service from quote to claim
Talk to a Commercial Specialist
Frequently Asked Questions
What is a BOP?
A Business Owner’s Policy bundles general liability, commercial property, and business income into one package for convenience and savings.
Am I eligible for a BOP?
Most small to mid-sized businesses qualify. We will check your industry, location, and revenue to confirm eligibility.
How are limits and deductibles set?
We estimate replacement cost for your building and contents, then tailor liability limits to your contracts and risk profile.
Does a BOP include workers’ compensation or commercial auto?
No. Those are separate policies. We can quote both and align effective dates.
Is flood included?
Flood is not included on standard forms. We can add a separate flood policy for rising water and storm surge.
How does business income work?
It replaces lost revenue and can help cover payroll, rent, and other expenses during a covered shutdown. We will help select the right period and limit.
Who a BOP Is Best For
Retail shops, professional offices, salons and spas, cafes and restaurants, small warehouses, light contractors, e-commerce with inventory, medical and wellness practices, nonprofits and community groups, and many more.
When a BOP May Not Fit
High-hazard manufacturing, heavy construction, large fleets, or locations that require specialized limits may need a commercial package policy. We will price both paths and recommend the right structure.
Pricing Factors in Florida
Class of business and operations, square footage and location, construction and roof age, protection class and alarms, total sales and payroll, claims history, selected limits, deductibles, and coinsurance. Credits are available for monitored alarms, sprinklers, updated roofs, and risk controls.
Customers Feedback
Other Insurances
Personal Insurance
Life, Health, Home, and Auto protection, made simple.
Honest advice from local experts.
Commercial Property
Protects your building, equipment, and inventory against fire, theft, or other covered risks.
Employment Practices Liability
Coverage for employee claims like discrimination, harassment, and wrongful termination.
Business Owner’s Policy (BOP)
Combines liability and property coverage into one affordable, convenient package.
Workers’ Compensation
Provides coverage for employees injured on the job, including medical bills and lost wages.
Professional Liability
Protects you if a client claims your service caused them financial loss.
Commercial Auto Insurance
Covers vehicles your business relies on, from service vans to delivery trucks.
Cyber Liability Insurance
Keeps your business secure against data breaches and cyberattacks.
General Liability Insurance
Shields your business from costly claims such as customer injuries or property damage.