Business Owner's Policy Calculator
Estimate the cost of a Business Owner's Policy (BOP) that bundles general liability, commercial property, and business income insurance at a discounted rate.
Frequently Asked Questions
What is a Business Owner's Policy (BOP)?
A BOP bundles general liability insurance, commercial property insurance, and business income (interruption) insurance into a single discounted package. It is designed for small to medium businesses and typically costs 10-20% less than purchasing each coverage separately.
How much does a BOP cost?
Average BOP costs range from $500-$3,500 per year ($42-$290/month) for small businesses. Home-based businesses may pay as little as $300/year. Brick-and-mortar retail or restaurants with higher property values and foot traffic pay toward the higher end.
Who qualifies for a BOP?
BOPs are designed for small to mid-size businesses, typically with revenue under $5 million, fewer than 100 employees, and lower risk profiles. High-risk industries like construction and manufacturing usually cannot get a BOP and need individual commercial policies. Most insurers have specific eligibility criteria by industry.