A Business Owners Policy (BOP) bundles two essential coverages into one convenient, cost-effective policy:
Business Owners Policy (BOP)
Get liability and property coverage in one affordable package. A BOP bundles the essential coverages most small businesses need, often at a lower cost than buying them separately.
General liability + commercial property in one policy
Business interruption coverage included
Lower cost than separate policies
Ideal for small to mid-sized businesses
Who Is a BOP Right For?
A BOP is designed for small to mid-sized businesses with relatively low risk. It's ideal for:
- Retail Stores — Boutiques, gift shops, small retailers
- Offices — Consultants, accountants, professional services
- Restaurants — Small cafes and quick-service restaurants
- Service Businesses — Salons, repair shops, cleaners
- Small Contractors — Low-risk trades and handyman services
Why Business Owners Choose WeatherBee's
Knowledge
We know when a BOP makes sense—and when you need more customized coverage. We'll help you decide.
Pricing
We shop multiple carriers to find the best BOP rates for your business type.
Experience
Years of protecting small businesses. We know what's included and what you might need to add.
Local Agency, Big Reach
A local team who answers your calls, backed by access to top national carriers.
Real Businesses. Real Coverage. Real Results.
We've helped hundreds of business owners across the US find the right coverage, without the runaround. Here's what they have to say.
Getting covered shouldn't be complicated
We've simplified the process so you can protect your business in one easy package.
Get Your Business Owners Policy Quote
Tell us about your business and we'll get back to you with coverage options, usually within 24 hours. A BOP is a smart, affordable way to bundle the essential coverages most small businesses need. We'll help you find the right fit. Call us at 704-993-9060 to speak with a business insurance specialist today.
Our Carrier Partners
We partner with A-rated carriers across every industry. That means competitive rates, flexible coverage, and underwriters who understand your business, whether you're a contractor, restaurant owner, manufacturer, or trucking company.
Business Owners Policy FAQs
Q What is a BOP?
A
A Business Owners Policy (BOP) bundles general liability and commercial property insurance into one policy, usually at a lower cost than buying them separately.
Q What's the difference between a BOP and general liability?
A
General liability only covers third-party injury and property damage claims. A BOP includes general liability plus property coverage and business interruption.
Q Does a BOP include workers' compensation?
A
No. Workers' comp is always a separate policy.
Q Can I add coverage to a BOP?
A
Yes. You can often add endorsements like cyber liability, professional liability, or equipment breakdown.
