Business Owners Policy
Business Owners Policy (BOP) — liability + property, bundled.
Bundle general liability with property coverage for your equipment, inventory and space — usually the best value for small businesses. Same-day COI.
Office hours Mon–Fri 9am–5pm PT (closed major holidays) — please call during hours. After hours, text (310) 299-5555 or apply online anytime and we’ll follow up. Contact & office.
Availability, limits and terms are reviewed for your situation. A request does not bind insurance.
Let us shop it — or start your quote online right now
Let us shop it for you (usually worth the call)
Coterie is one of 40+ carriers we work with. When we run your business past several of them at once we can compare what each will actually offer — and that often turns up a better fit, especially if you’ve had a prior claim, run more than one location, or need endorsements specific to your trade. One call, no obligation, and we handle the certificates afterwards.
Or quote and buy online in minutes
Our partner Coterie writes general liability, professional liability and Business Owners Policies for most small business classes in all 50 states, on A-rated admitted paper. Answer a few questions, see a bindable price, and download your certificate yourself. Built for businesses under 50 employees and under $10M revenue at a single location — contractors up to 15 employees. Some classes and loss histories aren’t eligible.
Coterie is one of several carriers CoverToday works with, and we may earn a commission on policies placed through this link. Buying online means you skip our review — call us first if you want us to compare it against the other carriers we represent. Independent broker — coverage, eligibility, price and availability vary by carrier and policy and may not be available to everyone. (310) 299-5555 · covertoday.com/quote
The smart bundle for small business
A Business Owners Policy combines general liability with property coverage for your equipment, inventory and improvements — often at a lower price than buying each separately. We shop BOP across carriers, tailor the property limits to what you actually own, and issue COIs the same day for your landlord or clients.
What it covers
General liability
Third-party injury and property damage ($1M/$2M).
Business property
Your equipment, inventory and tenant improvements.
Business interruption
Lost income if a covered event shuts you down temporarily.
Equipment & signage
On-premises property your business depends on.
Same-day COIs
Certificates with additional insured for landlords and clients.
How much it costs
A BOP for a small business often costs less than buying general liability and property separately — bundling typically saves 10–20%. Many small businesses pay somewhere around $50–$150/month depending on industry, location, and the value of equipment and inventory insured. We compare carriers and set property limits to match what you actually own.
Figures are general market ranges — your exact rate depends on your profile. Call (310) 299-5555 for a free, no-obligation quote.
Who needs it
A BOP fits eligible small and mid-size businesses — retailers, offices, salons, contractors with a shop — that want liability and property in one efficient policy. If you own equipment, inventory or improvements and also need a $1M liability certificate, a BOP is usually the best-value path. Workers’ comp is separate and added alongside.
How it works
Tell us about your business
Industry, location, equipment and inventory values.
We shop BOP carriers
We compare bundled GL + property for the best value.
Get your COI same-day, where available
Additional insured added and certificate issued fast.
See how the pieces fit
Compare the package one part at a time
Three topics to review with your agent. These are comparison prompts, not a promise of coverage.
- 01
Property
Discuss premises, equipment, inventory and the valuation basis proposed.
- 02
Liability
Check that the listed operations match the business you actually run.
- 03
Interruption
Ask what events, time limits and conditions apply to interruption coverage.
Before we talk
Make the first conversation useful.
You don’t need every detail ready. Start with what you know; an agent can help with the rest.
- What your business does and where it operates
- Employees and insurance requirements in contracts
- Existing coverage and your desired start date
Please keep Social Security numbers, financial details and documents out of the public request form. An agent can explain the appropriate way to provide them if needed.
Common questions
How much does a BOP cost?
Many small businesses pay around $50–$150/month depending on industry, location and the value of property insured. Bundling usually saves 10–20% versus separate policies.
Is a BOP cheaper than separate policies?
Often, yes — bundling GL and property usually costs less than buying them individually for an eligible small business.
What does a BOP include?
General liability plus business property, and usually business interruption — equipment, inventory and improvements.
Who is eligible for a BOP?
Most small and mid-size lower-risk businesses — retail, office, salon, and many contractors with a fixed location.
Does a BOP include workers’ comp?
No — workers’ comp is separate. We can add it alongside your BOP in the same call.
Can I get a certificate of insurance today?
Yes — same-day, with additional insured added for your landlord or client.
What’s the difference between a BOP and general liability?
General liability only covers third-party claims — injuries and property damage you cause. A BOP includes that same GL plus coverage for your own property (equipment, inventory) and business interruption, usually for not much more than GL alone.