Business Owner Insurance (BOP)

Comprehensive Protection for Your Business

Running a business comes with risks, from unexpected property damage to liability claims. A Business Owner’s Policy (BOP) provides essential coverage by combining property insurance and general liability insurance into one affordable, bundled policy designed for small to mid-sized businesses.



At Insured Carolina, we help business owners find customized BOP plans to protect their assets, employees, and financial future.

What Does a Business Owner’s Policy Cover?

Business Property Insurance

  • Covers damage to buildings, equipment, furniture, and inventory.
  • Protects against fire, vandalism, theft, and some weather-related events.
  • Helps repair or rebuild your business location after a covered loss.

General Liability Insurance

  • Covers injuries and property damage caused by your business.
  • Protects against customer slip-and-fall accidents or lawsuits.
  • Covers legal defense costs, settlements, and medical bills.

Business Interruption Insurance

  • Pays for lost income and operating expenses if your business is temporarily closed due to a covered loss.
  • Helps cover rent, payroll, and bills while your business recovers.
  • Covers temporary relocation costs if you need to move your operations.

What Is Business Owner Insurance (BOP)?

A Business Owner’s Policy (BOP) is a cost-effective insurance package that covers:


  • Business Property – Protection for buildings, equipment, inventory, and furniture.
  • General Liability – Covers customer injuries, property damage, and legal fees
  • Business Interruption Insurance – Replaces lost income if your business temporarily closes due to a covered loss.


A BOP combines multiple policies into one, making it more affordable than purchasing separate coverages.


Tip: A BOP is ideal for small and medium-sized businesses that need basic coverage for property and liability risks.

Additional Coverage Options

A BOP provides standard protection, but you may need additional policies depending on your industry and risks.


  • Workers' Compensation Insurance – Covers employee injuries and lost wages.
  • Professional Liability Insurance (E&O) – Protects against claims of negligence or errors.
  • Cyber Liability Insurance – Covers data breaches, ransomware, and online fraud.
  • Commercial Auto Insurance – Covers vehicles used for business purposes.
  • Equipment Breakdown Insurance – Helps pay for repairs if business machinery or technology fails.


Tip: If you store customer data, operate a fleet, or provide professional advice, you may need additional policies beyond BOP coverage.

Who Needs a Business Owner’s Policy?

A BOP is ideal for businesses that:


  • Have a physical location (office, retail store, warehouse, restaurant, etc.).
  • Have employees or interact with customers.
  • Own valuable equipment, inventory, or business assets.
  • Want to protect themselves against lawsuits or unexpected disasters.


Industries That Benefit from a BOP:


  • Retail stores & e-commerce businesses
  • Restaurants & food service businesses
  • Medical & healthcare providers
  • Contractors & construction companies
  • Professional services (consultants, law firms, accounting firms)
  • Salons, gyms, and fitness studios



Fact: Many landlords and lenders require business owners to carry a BOP policy before leasing commercial space.

How Much Does a Business Owner’s Policy Cost?

BOP insurance costs depend on:


  • Business size & revenue – Larger businesses with more employees may pay more.
  • Industry risks – Construction and healthcare businesses may have higher liability risks.
  • Location – Businesses in high-risk areas for weather damage or crime may pay higher premiums.
  • Coverage limits – Higher coverage limits increase premium costs.

Average Cost of a Business Owner’s Policy:

Business Type Monthly Cost Annual Cost
Retail Store $60 - $150 $720 - $1,800
Restaurant $100 - $250 $1,200 - $3,000
Professional Services $50 - $100 $600 - $1,200

Ways to Lower Your Premiums:


  • Bundle your BOP with other policies (workers' comp, commercial auto).
  • Maintain strong security systems and fire protection.
  • Choose a higher deductible for lower monthly payments.
  • Keep a claims-free history to qualify for discounts.


Tip: Business owners can customize their BOP coverage to fit their specific industry risks and budget.

Why Do You Need a Business Owner’s Policy?

  • Protects your investment – Business assets like property, equipment, and inventory are covered.
  • Covers lawsuits & liability claims – Avoid paying out-of-pocket for legal fees.
  • Replaces lost income – Keeps your business running even if disaster strikes.
  • Satisfies landlord & lender requirements – Many commercial leases require liability insurance.


Without business insurance, you could face thousands in repair costs, legal fees, and lost revenue in the event of a claim.

When Should You Get Business Insurance?

  • Starting a new business – Secure coverage before opening.
  • Signing a lease – Most commercial landlords require insurance.
  • Hiring employees – Protect yourself from liability claims.
  • Expanding operations – Higher risk = higher coverage needs.


Tip: Review your BOP policy annually to ensure your business is adequately covered as it grows.

How to Choose the Right Business Owner’s Policy

The right BOP coverage depends on:


  • Your business size and industry.
  • Whether you own or lease commercial space.
  • Your risk exposure for lawsuits and disasters.
  • Your budget and deductible preferences.


At Insured Carolina, we work with top-rated insurance providers to help business owners get customized coverage at the most competitive rates.


📞 Call: 864-688-9707
📩 Email: joshua@insuredcarolina.com

Why Choose Insured Carolina for Business Insurance?

  • Tailored coverage options – Policies designed for your industry and risk level.
  • Competitive pricing – We shop from multiple insurance carriers to get you the best deal.
  • Fast, reliable claims support – When disaster strikes, we help you recover quickly and efficiently.
  • Local expertise – Serving businesses across South Carolina and North Carolina.


📞 Call us today for a free quote: 864-688-9707
📩 Email us: joshua@insuredcarolina.com