Commercial Insurance
Business Owners Policy (BOP)
An efficient package: general liability and property coverage combined for eligible small businesses.
A Business Owners Policy bundles the two coverages most small and mid-sized businesses need, general liability and commercial property, into a single, cost-effective package. For many Arkansas businesses, it's the smartest starting point and the best value.
We'll review how you operate and what your contracts require, then recommend carriers and policy forms that fit. We can also request options such as Business Income (business interruption), Equipment Breakdown, or Cyber.
What Business Owners Policy (BOP) typically covers
Bundled Liability + Property
Combines general liability and commercial property in one policy, usually for less than buying them separately.
Business Interruption Included
Most BOPs build in income protection if a covered loss shuts you down temporarily.
Tailored Add-Ons
Optional endorsements such as cyber, equipment breakdown, data compromise, spoilage/utility services, and limited professional liability may be available to add for certain classes of business.
Simple to Manage
One policy, one renewal, one point of contact, and less paperwork for a busy owner.
Related coverage
Common questions
Is my business eligible for a BOP?
BOPs are designed for small to mid-sized businesses with relatively standard risk, such as retailers, offices, contractors, restaurants, and many service businesses. Eligibility varies by carrier, which is exactly where an independent agency helps: we match you to the carrier that wants your type of business.
What does a BOP not cover?
A BOP typically excludes commercial auto, workers' compensation, and professional liability, which are separate policies. It also doesn't replace coverages like umbrella/excess liability, flood/earthquake, employment practices liability (EPL), directors & officers, or cyber unless added or written separately. We'll help round out your program so important items aren't overlooked.
Ready to protect what matters with the right business owners policy coverage?
Tell us what you need covered and we'll compare carriers to find your best fit.