Affordable Business Owner's Policy (BOP) Quotes

Protecting your enterprise

What coverages can I get for my Business Owner’s Policy?

A BOP is a powerhouse package designed specifically for small and medium-sized businesses, combining essential property and liability protections into a single, cost-effective policy.

General Liability Insurance

Covers third-party claims for bodily injury, property damage, and advertising mistakes, providing legal defense and settlement costs if a lawsuit arises.

Commercial Property

Protects your business property—including your building, equipment, furniture, and inventory—from damage caused by covered perils like fire, theft, or vandalism.

Business Interruption

Compensates for lost income and ongoing fixed expenses if your business is forced to temporarily close due to a covered event, such as a major fire or natural disaster.

Workers' Compensation

While generally a separate policy, Workers' Comp can often be managed seamlessly alongside your BOP to cover medical expenses and lost wages for employees injured on the job.

Data Breach / Cyber Liability

Often added as an endorsement, this covers the critical costs of managing a data breach, including customer notification, credit monitoring, and resulting legal fees.

Equipment Breakdown

Covers the sudden and accidental mechanical breakdown of critical business equipment (like HVAC, computers, or specialized machinery), helping minimize operational downtime.

Why Orbit

Why Orbit is the best choice for a BOP?

Competitive Rates

Bundling your coverages into a Business Owner's Policy inherently saves you money. We maximize those savings by aggressively shopping your policy across multiple top-rated commercial carriers.

Industry Expertise

Different businesses have different exposures. Whether you run a retail shop, an accounting firm, or a bakery, we tailor your BOP endorsements to match your exact industry risks.

Flexible Requirements

We make commercial insurance accessible. Whether you are a brand new startup or have a complex ownership structure, we have markets ready to accept your business.

Fast Certificates (COIs)

Commercial landlords require proof of a BOP before handing over the keys. We generate Certificates of Insurance rapidly so you can secure your lease without delay.

Talk to a commercial expert today

An Orbit commercial agent is ready to help you analyze your property value, assess liability risks, and bundle your protections efficiently.

Speak with an Expert

The basics

What is a Business Owner's Policy?

A Business Owner’s Policy (BOP) is a special type of commercial insurance designed exclusively for small to medium-sized businesses. It acts as an "all-in-one" package, intelligently combining the most critical commercial coverages—usually General Liability, Commercial Property, and Business Interruption insurance—under a single, unified policy.

This bundling approach dramatically simplifies insurance management and makes coverage significantly more cost-effective. By purchasing a BOP, business owners secure comprehensive protection against third-party lawsuits, physical damage to their building and inventory, and the devastating loss of income that occurs if the business must temporarily close due to a covered disaster.

Factors That Impact Your Rates

Business Size & Revenue: Higher annual revenue and a larger physical footprint generally indicate a larger customer base and more assets to protect, influencing the premium.
Industry Type: A retail shop carrying high-value inventory will have different property insurance costs compared to a low-traffic consulting office.
Location: Operating in areas prone to severe weather, or areas with higher property crime rates, will impact the property portion of the BOP rate.
Property Value: The cost to replace your building (if you own it), your equipment, and your inventory directly dictates the property coverage limits required.
Claims History: A history of frequent liability or property claims signals higher risk to underwriters, leading to elevated rates.

Good to know

Frequently asked questions & Requirements

Because BOPs are designed for lower-risk, small-to-medium businesses, companies with highly specialized or high-risk operations (such as large-scale manufacturing, hazardous material handling, or massive corporate enterprises) typically do not qualify. They must purchase Commercial Property and General Liability policies separately.

Yes. A BOP covers general property and third-party physical/advertising liability risks. Management Liability Insurance (such as Directors & Officers or D&O) explicitly protects corporate directors and officers against claims of mismanagement, wrongful acts, or breaches of fiduciary duty.

Yes, business owners can typically deduct the cost of their Business Owner's Policy (and any supplementary Commercial Umbrella policies) as an ordinary and necessary business operating expense. We advise consulting a licensed tax professional for specific guidance regarding your filings.

Yes, you can cancel your BOP if you close your business or switch carriers. However, depending on the insurer's specific terms, short-rate cancellation fees or unearned premium charges may apply. It is important to ensure you have replacement coverage lined up before canceling to avoid a lapse.

To generate an accurate BOP quote, we will need:

Business Info: Legal name, physical location(s), and detailed description of your industry operations.
Property Details: Square footage, building age, construction type, and the estimated value of your physical assets (equipment, inventory, furniture).
Financials & Size: Estimated gross annual revenue and total number of employees.
Safety & History: Details of existing safety measures (fire alarms, sprinklers, security systems) and a record of any previous commercial claims.

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