Business-Owner-Policy-(BOP) Insurance
Tailored Coverage from Downtown Insurance Group
Running a business comes with plenty of risks — from property damage and customer injuries to theft and unexpected interruptions. At Downtown Insurance Group, we offer Business Owners Policy (BOP) insurance designed to give small and mid-sized business owners the essential protection they need — all in one convenient, affordable package.
What Is a Business Owners Policy (BOP)?
A Business Owners Policy (BOP) is a bundled insurance solution that combines several key coverages into a single policy. It’s designed specifically for small to medium-sized businesses that want comprehensive protection without the hassle of managing multiple separate policies.
A standard BOP from Downtown Insurance Group includes:
- General Liability Insurance
- Commercial Property Insurance
- Business Interruption Insurance
You also have the flexibility to add optional coverages to match your specific business needs.
What Does a BOP Cover?
1. General Liability Insurance
Protects your business against claims involving:
- Customer injuries on your premises
- Third-party property damage
- Advertising and personal injury (like libel or slander)
2. Commercial Property Insurance
Covers physical assets such as:
- Your building (if owned)
- Inventory, tools, and equipment
- Furniture, signage, and fixtures
- Protection from theft, fire, vandalism, and certain weather events
3. Business Interruption Insurance
If your business has to shut down temporarily due to a covered event, this helps cover:
- Lost income
- Employee payroll
- Rent or lease payments
- Relocation and operational expenses
Optional Coverages to Customize Your BOP
Every business is different — that’s why we offer additional protections you can add to your policy:
- Professional Liability (Errors & Omissions)
- Cyber Liability Insurance
- Employment Practices Liability (EPLI)
- Equipment Breakdown Coverage
- Hired & Non-Owned Auto Liability
- Crime and Theft Insurance
- Flood and Earthquake Insurance (separate from standard property coverage)
Who Should Have a BOP?
A Business Owners Policy is ideal for businesses that:
- Operate from a physical location (office, shop, warehouse, etc.)
- Own property, equipment, or inventory
- Have employees or interact with the public
- Want protection from both property and liability risks
Perfect for industries like:
- Retail stores and boutiques
- Cafes and restaurants
- Accountants, consultants, and other professionals
- Health and wellness offices
- Contractors and trades
- Light manufacturers and wholesalers
Why Choose a BOP from Downtown Insurance Group?
- Affordable: Bundled coverage saves you money compared to buying individual policies
- Simplified: One policy, one premium, one renewal date
- Customized: Tailor your BOP to fit your exact business risks
- Personalized Service: Work with a local agent who understands your business
At Downtown Insurance Group, we’re not just policy providers — we’re your partners in protection.
How Much Does a BOP Cost?
The cost of a Business Owners Policy depends on several factors:
- Your industry and risk exposure
- Business size and revenue
- Location and property value
- Chosen coverage limits and deductibles
- Any optional coverages you add
On average, most small businesses pay between $500 and $3,000 per year — but we’ll give you a custom quote that fits your exact needs.
Get a Free Quote from Downtown Insurance Group
We’re here to help you find the right coverage — no pressure, no jargon, just clear answers.
Call Us: 954-290-5746
Email: rick@downtowninsurancegrp.com
Visit Us: P.O. Box 460113, Fort Lauderdale, FL 33346
Get a Free BOP Quote
Frequently Asked Questions
Q: Do I need a BOP if I work from home?
A: Yes. If you store inventory, meet clients, or run operations from your home, you may still need property and liability protection.
Q: Does a BOP include Workers’ Compensation?
A: No, Workers’ Comp is a separate policy. We offer that too — ask us for a bundled quote!
Q: What if I need higher coverage limits?
A: No problem. We’ll tailor your BOP with higher limits or additional coverages based on your unique business operations.
Your Local Partner in Business Protection
At Downtown Insurance Group, we understand the challenges business owners face. Our experienced team is committed to helping you find the right balance of protection and affordability so you can focus on what matters most — growing your business.