What is the difference between a BOP and a Commercial Package Policy?

A BOP bundles General Liability and Commercial Property for smaller, eligible businesses at a simplified rate. A Commercial Package Policy (CPP) is more modular and is typically used for larger or more complex operations that need customized coverage combinations.

Can I add Professional Liability to a BOP?

In some cases, yes. Depending on your class of business and state, Travelers may offer a professional liability endorsement on a BOP for select classes such as IT consultants or design professionals. Availability varies and is subject to underwriting.

What is the typical revenue range for BOP eligibility?

BOP eligibility generally depends on your industry class, revenue, and operations rather than a single fixed cutoff. Larger or more complex accounts are often better suited to a Commercial Package Policy. A Casurance agent can confirm what applies to your business.

Does a BOP cover flood or earthquake damage?

No. Flood and earthquake are typically excluded from standard commercial property coverage within a BOP and require separate policies or endorsements, subject to availability.

Business Owner's Policy (BOP) Insurance

A bundled commercial policy that combines General Liability and Commercial Property protection into a single, streamlined package built for small to mid-sized businesses.

What Is Business Owner's Policy (BOP)?

A Business Owner's Policy, or BOP, packages two of the most commonly needed commercial coverages — General Liability and Commercial Property — into one policy. Instead of purchasing each coverage separately, a BOP bundles them together, which can simplify your paperwork and billing while still giving you two of the protections most landlords, lenders, and clients expect to see on a certificate of insurance.

Who Needs It

Most small to mid-sized businesses with a physical location, walk-in customers, or business personal property benefit from a BOP. It's frequently the starting point for retailers, restaurants, offices, and personal-care businesses that want liability and property protection without managing two separate policies.

Real-Life Claim Scenarios

Customer Slip Near the Entrance

A customer slips on a wet floor near your entrance during a rainy afternoon and files a claim for medical expenses. The liability portion of a BOP may help pay for the resulting medical payments, legal defense, and any settlement, subject to policy limits and terms.

Kitchen Fire Damages Inventory

A grease fire in the back kitchen damages inventory, equipment, and part of the ceiling. The property portion of the BOP may help pay to repair the space and replace damaged business personal property, subject to your deductible and covered cause of loss.

Overnight Break-In

Someone breaks in overnight and steals a cash register, laptops, and retail inventory. Business personal property coverage under a BOP may help reimburse the value of stolen items, subject to any applicable sub-limits.

Windstorm Damages the Roof and Signage

A severe windstorm tears off part of the roof and damages your storefront sign. Property coverage may help pay for covered storm repairs so you can reopen.

Advertising Dispute with a Competitor

A competitor alleges your ad copy used their slogan without permission. The personal and advertising injury portion of the underlying general liability coverage may help with defense costs, subject to policy terms.

What It May Help Cover

Third-party bodily injury on your premises
Third-party property damage caused by your operations
Business personal property such as equipment, inventory, and furniture
The building itself, if you own your space
Business income loss following a covered property event, when this coverage is included
Extra expense to help resume operations after a covered loss

Coverage Limitations

A BOP does not automatically include flood, earthquake, professional liability, workers compensation, or commercial auto coverage. Coverage availability, limits, and eligibility vary by state and business class and are always subject to underwriting approval and the policy's specific terms, conditions, and exclusions.

Industries That Commonly Need This Coverage

Retail Restaurants & Food Service Professional Services Healthcare Personal Care Pet Care Technology Printers & Publishers

What You'll Need for a Quote

Legal business name, address, and years in business
Estimated annual revenue and payroll
Square footage and whether you own or lease the space
Approximate value of business personal property and inventory
Construction type, roof age, and any fire protection features
Prior claims or loss history, if any

Upload Insurance Requirements for Review

Have a certificate request, lease clause, client contract, or vendor requirement tied to business owner's policy (bop)? Upload the document and a Casurance specialist can review the requested limits, wording, and additional insured language.

Certificate of Insurance RequestLandlord or Lease RequirementCurrent Policy Declarations PageLoss Run / Claims History

Frequently Asked Questions

Related Coverages

General Liability (GL)Commercial Property Business Income / Business Interruption Commercial Umbrella

Get a Business Owner's Policy (BOP) Quote

Tell us about your business and a Casurance specialist can help you review Travelers business owner's policy (bop) options, subject to underwriting approval and coverage availability in your state.

Coverage described on this page may help address certain risks common to this coverage line, subject to policy terms, conditions, exclusions, and underwriting approval. Coverage availability, limits, and pricing vary by state and are not guaranteed. This page is for informational purposes only and is not an offer of coverage or legal advice.

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