Business Owner's Policy

A Business Owner’s Policy (BOP) bundles the three core coverages every small business needs property liability, and business interruption, into a single, affordable policy designed to keep you covered when it matters most.

One Policy.
Complete Protection.

  • Combines General Liability + Commercial Property in one policy
  • Business Interruption coverage included — replace lost income after a covered event
  • More affordable than buying separate policies individually
  • Available for most small to mid-size businesses across all industries
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Commercial Property
Covers your building, equipment, and inventory against fire, theft, vandalism, and more.
Included
General Liability
Protects against third-party bodily injury, property damage, and advertising injury claims.
Included
Business Interruption
Replaces lost revenue and covers ongoing expenses if your business must temporarily close.
Included
BOP by the Numbers

Why BOP is the Smart Choice

The data is clear — small businesses that carry a Business Owner's Policy are better prepared, recover faster, and pay less for coverage.

40%
of Small Businesses File a Claim
Nearly 4 in 10 small businesses experience a property or liability event significant enough to file an insurance claim within any given 10-year period.
$30K
Average Slip-and-Fall Claim Cost
A single customer slip-and-fall at your business location can cost upwards of $30,000 — a cost that General Liability covers directly.
75%
of Businesses Are Underinsured
According to industry estimates, 75% of small businesses in the U.S. carry inadequate insurance coverage, leaving them financially vulnerable after a loss.
$3.4T
Small Business Economy Contribution
Small businesses contribute over $3.4 trillion annually to the U.S. economy — making proper business coverage more critical than ever.
25%
Don't Reopen After a Disaster
About 25% of small businesses never reopen their doors following a major disaster. Business Interruption coverage helps prevent this outcome.
30%
Savings vs. Separate Policies
Bundling GL and Commercial Property into a BOP typically saves businesses 20–30% compared to purchasing each coverage separately.
5 min Average quote time through Cennairus
$500 Avg. BOP premium for small businesses
200+ Eligible business classes covered
50 States — nationwide availability

Sources: III (Insurance Information Institute), FEMA, SBA, Insureon 2024 Small Business Insurance Report

Who Needs BOP

Built for Every
Small Business

A BOP is designed for businesses with under $5 million in revenue and fewer than 100 employees — but the industries it covers are remarkably wide. If you own a physical location, serve customers, or operate with employees, a BOP is likely right for you.

Retail Stores
Brick-and-mortar shops face constant property and liability exposure from customers and merchandise.
High Priority
Restaurants & Food Service
High foot traffic and food safety risks make BOP essential for cafes, diners, and caterers.
High Priority
Professional Services
Accountants, consultants, and agencies need liability coverage plus protection for office equipment and records.
Recommended
Real Estate Offices
Agencies with physical office locations require property coverage and liability protection for visiting clients.
Recommended
Contractors & Tradespeople
Plumbers, electricians, and HVAC technicians benefit from bundled coverage for tools, vehicles, and on-site liability.
High Priority
Auto Repair Shops
Garages and auto shops handle expensive customer vehicles daily — property and liability coverage is critical.
High Priority
Healthcare & Wellness
Medical offices, salons, and fitness studios need property coverage plus general liability for client-facing operations.
Recommended
Technology & IT Firms
Tech companies with office space and equipment need property coverage; a BOP can be bundled with cyber liability.
Recommended

Not sure if your business qualifies for a BOP?

Most businesses under $5M in revenue and 100 employees qualify. Our platform lets you get a quote in minutes. Start your BOP quote →  |  Are you an agent? Register here →

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Your BOP Quote
Is 3 Steps Away

No lengthy applications. No waiting days for a callback. Just fast, accurate BOP quotes from top carriers — right now.

1

Tell Us About Your Business

Share your business type, location, revenue, and number of employees. Takes under 2 minutes.

2

Get Matched to Carriers

Our platform instantly compares BOP options from top-rated carriers and surfaces the best match for your risk profile.

3

Bind & Get Your Certificate

Review your coverage, bind the policy online, and receive your Certificate of Insurance the same day.

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BOP Quote

No commitment required. Get real quotes from real carriers in minutes — no broker needed.

  • Instant quotes from biBerk, Hiscox, and more
  • ACA-compliant, fully digital application
  • Same-day Certificate of Insurance on bind
  • Available in all 50 states
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For Insurance Agents

Grow Your Book
with Cennairus

Join hundreds of agents using Cennairus to quote BOP faster, manage policies effortlessly, and earn more commissions with less paperwork.

Quote in Minutes

Real-time BOP quotes from multiple carriers without leaving the platform.

Competitive Commissions

Earn industry-leading commissions on every BOP policy you bind through Cennairus.

Effortless Management

Renewals, endorsements, and client comms — all managed from one clean dashboard.

Dedicated Support

Onboarding, training, and a dedicated team to help you write more business, faster.

Agent Registration

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in Under 24 Hours

Register as a Cennairus agency partner today and get instant access to BOP quoting, carrier appointments, and the full platform suite.

  • Free registration — no upfront fees
  • Access to BOP, Cyber, Workers' Comp & more
  • Top carriers: biBerk, Hiscox, Savata, Counterpart
  • Approved in as little as 24 hours
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