Business Owners Policy (BOP) – Convenient Insurance Package for Small Businesses

Running a small business comes with enough moving parts—your insurance shouldn’t be one of them. A Business Owners Policy (BOP) combines general liability and commercial property coverage into one streamlined policy, often at a lower cost than buying each separately.



At Rodgers & Co Insurance, we help small and mid-sized businesses across Mercer County, Lawrence County, and nearby Ohio communities determine if a BOP is the right fit, and then tailor it to cover their day-to-day risks.

Two Core Protections in One Policy

A BOP is designed for businesses that need both:

  • General Liability Insurance

    Covers third-party bodily injury, property damage, and legal defense costs.

  • Commercial Property Insurance

    Covers your building (if owned), tenant improvements, business personal property, equipment, and inventory against covered losses like fire, theft, and certain weather events.

Many BOPs also include:

  • Business Interruption Coverage

    Helps replace lost income and pay operating expenses if a covered loss forces you to close temporarily.

  • Equipment Breakdown Coverage

    Covers certain mechanical or electrical failures.

Who Qualifies for a Business Owners Policy?

Eligibility for a BOP typically depends on your industry, business size, and revenue. Common examples of businesses that qualify include:

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Retail stores and boutiques

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Small offices (accountants, consultants, real estate agencies)

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Coffee shops, cafés, and small restaurants

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Service-based businesses with a physical location

If your business meets certain criteria—such as under a set revenue threshold or occupying a smaller space—a BOP could be the most cost-effective coverage option.

Why Local Businesses Choose a BOP

A Business Owners Policy is popular with Pennsylvania and Ohio small business owners because it’s:

  • Simple

    One policy to manage, one renewal date, and one point of contact.

  • Affordable

    Packaging liability and property coverage usually costs less than buying them separately.

  • Comprehensive

    Covers the most common risks small businesses face.

Example: If a fire damages your shop, your BOP could cover the building repairs, replacement of your inventory, lost income while you’re closed, and a customer slip-and-fall claim—all under one policy.

Customizing Your BOP for Your Business

Every business has unique risks. We can enhance your BOP with:

  • Cyber Liability/Data Breach Coverage

    For businesses that handle customer data.

  • Commercial Umbrella Insurance

    Extends your liability limits.

  • Hired/Non-Owned Auto Liability

    If employees drive their own vehicles for work.

Note: A BOP does not include workers’ compensation insurance —that must be purchased separately.

FAQs About Business Owners Policies

  • Is a BOP the same as a commercial package policy?

    They’re similar, but BOPs are designed for smaller businesses and include standard coverages most owners need. Commercial package policies are more customizable for larger operations.

  • Can I get a BOP if I work from home?

    Yes—home-based businesses that meet carrier guidelines can often qualify.

  • Will my BOP cover employees’ injuries?

    No—you’ll need workers’ comp for that.

  • Do I have to own my building to get a BOP?

    No—you can still get property coverage for your equipment, inventory, and tenant improvements even if you lease your space.

Get a BOP Quote for Your Business

If you’re a small business owner, a Business Owners Policy could simplify your insurance and save you money. Let’s see if your business qualifies.