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Business Owners Policy — The Most Cost-Effective Coverage for Small Businesses
A BOP bundles general liability, commercial property, and business interruption insurance into a single, affordable policy. It is the smartest commercial insurance foundation for most small and medium-sized businesses.
GL + property + BI bundled • 10-20% savings vs. separate policies • Customizable add-ons
BOP Coverage
GL + Property + BI
10–20% savings vs. separateActive
Part of ourbusiness insurance coverage options
What a Business Owners Policy Covers
A complete auto policy combines several coverage types. Mix and match based on your state requirements, budget, and how you use your vehicle.
General Liability
Covers third-party bodily injury, property damage, and advertising injury claims. Included in every BOP — this is the coverage most leases and contracts require.
Commercial Property
Protects your business property — buildings (if you own them), equipment, inventory, furniture, and fixtures — against fire, theft, vandalism, and other covered perils.
Business Interruption
Replaces lost revenue and covers ongoing expenses (rent, payroll, utilities) if a covered loss forces your business to temporarily suspend operations.
Products & Completed Operations
Covers liability for products your business sells, manufactures, or distributes, and for completed work that later causes injury or property damage.
Optional Add-Ons
Extend your BOP with cyber liability, professional liability (E&O), equipment breakdown, commercial auto, employment practices liability, and more.
Why VKOVR for Your BOP?
The Most Cost-Effective Starting Point
For most small businesses, a BOP delivers more coverage per dollar than any other commercial insurance structure. One policy, one renewal date, one carrier relationship.
Eligibility Matched to Your Business
Not every business qualifies for a BOP — eligibility depends on industry, revenue, and location. VKOVR determines your BOP eligibility and matches you to carriers that specialize in your industry.
Business Interruption Is Often Overlooked
Most small businesses underestimate how devastating a 30-60 day operational shutdown can be. The BI component of a BOP replaces revenue during that period — it is the coverage that saves businesses after major losses.
Grows with Your Business
Start with a core BOP and add coverages as your operations, headcount, and risk profile evolve. VKOVR reviews your BOP annually and recommends updates that keep your coverage aligned with your growth.
Getting the Right BOP for Your Business
Step 1
Tell Us About Your Business
Share your industry, annual revenue, number of employees, and whether you own or lease your business location. This determines BOP eligibility and pricing.
Step 2
Get BOP Options and Add-On Recommendations
We compare BOP carriers for your industry and surface the policy structures, coverage limits, and add-ons that best match your specific business risk.
Step 3
Review with a Commercial Advisor
A licensed VKOVR advisor explains your BOP options, recommends which add-ons your business should carry, and helps you compare the total program cost.
Step 4
Activate Your BOP and Expand Over Time
Secure your Business Owners Policy with one carrier, one premium, and one renewal date. Rely on VKOVR to keep your BOP current as your business grows.
Build Your Complete Commercial Insurance Program
A BOP is the foundation. Explore the additional coverages your business needs to be fully protected.
Business Owners Policy by State
Business insurance rates and coverage requirements vary by state. Select your state.
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming
Business Owners Policy FAQ
A Business Owners Policy is a bundled commercial insurance package that combines general liability insurance, commercial property insurance, and business interruption insurance into a single policy. It is specifically designed for small and medium-sized businesses that need multiple coverages. The bundle pricing makes a BOP significantly more cost-effective than purchasing each coverage separately.
Rated on Trustpilot · 4.8/5What Our Customers Say
Real feedback from customers nationwide
David R.
Business Owner
Our small business got liability coverage without the usual runaround. Clear options and fast follow-up.
Customer review
Maria K.
Multi-line Customer
Great experience from start to finish. I bundled my home and auto and saved significantly.
Customer review
James L.
Home Insurance Customer
Finally, an insurance platform that speaks my language. The team was responsive and helpful.
Customer review
Sarah M.
Auto Insurance Customer
VKOVR made finding the right auto coverage simple. I had a quote in under 10 minutes.
Customer review
Licensed advisors · Fast response · No obligation
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Stop buying commercial insurance coverages piecemeal. Let VKOVR build the right BOP for your business — and identify every add-on you need to fill the gaps.
