Business Owners Policy (BOP)
Smarter Insurance for Businesses That Do It All
Business Owners Policy Business Owners Policy (BOP)
At United Coverage, we know that running a business means wearing 10 hats and handling
problems before they start. That’s why we offer Business Owners Policies (BOPs) – simple, strategic
insurance packages that protect your entire operation under one roof.
Whether you own a retail store, restaurant, office, or service-based company, a BOP is one of the
most efficient, affordable ways to cover your most important assets-your property, your people, and
your ability to stay open.
What Is a Business Owners Policy?
A Business Owners Policy is a bundled commercial insurance package that combines:
– General Liability Insurance (slips, trips, lawsuits, product claims)
– Commercial Property Insurance (buildings, inventory, gear, furniture)
– Business Interruption Insurance (lost income if you’re forced to shut down temporarily)
It’s designed for small to midsize businesses that want broad protection without piecing together 4
different policies. And because it’s bundled, it’s usually cheaper than buying each policy separately.
Who Needs a BOP?
If you:
– Own or lease a physical workspace
– Have valuable business property (equipment, inventory, tools)
– Interact with customers or vendors in person
– Would lose money if you had to temporarily shut down
-> You’re a prime candidate for a Business Owners Policy.
What Does a BOP Cover?
General Liability Coverage
- Third-party bodily injury & property damage
- Legal fees, court costs, and settlements
- Product and advertising injury
Commercial Property Coverage
- Your building (if owned) - Contents inside your space (furniture, computers, tools) - Outdoor signs, fences, landscaping - Equipment or inventory damage from fire, theft, or storms
Business Interruption Coverage
- Lost income due to a covered shutdown - Temporary relocation costs - Employee payroll continuation - Ongoing expenses (utilities, leases, etc.)
Optional Add-Ons
- Cyber Liability - Equipment Breakdown - Employee Dishonesty - Data Breach Response - Hired & Non-Owned Auto
What Does a BOP Cost?
The cost of a BOP depends on:
– Your industry
– Size of your location
– Property value & business assets
– Claims history
– Optional endorsements you add
At United Coverage, most of our BOP clients pay between $65 and $200/month, but we always
shop around and custom-fit your coverage to your budget and your risk profile.
Industries We Serve
We work with businesses across New York, from city startups to long-established operations. If you
fall into one of these industries, we’ve likely written 100+ policies like yours:
– Retail stores & boutiques
– Medical & dental offices
– Restaurants & cafés
– Contractors & home service pros
– Consulting firms & agencies
– Landscapers, cleaners, and tradespeople
– Beauty salons, spas, & studios
Why Choose United Coverage?
You’re not just buying a policy-you’re hiring a partner who understands your business and your risk. We bring:
Same-day quotes and fast turnarounds
Access to top-tier carriers
Advisors who speak plain English, not insurance-ese
One point of contact for all your business coverage
Local New York expertise + nationwide reach
Let's Build Your BOP
Your business deserves better than one-size-fits-all coverage. Let United Coverage tailor a Business Owners Policy that works as hard as you do.
Most brokers wait for something to go wrong. We get ahead of it.
Let’s Talk Coverage That Works
