GL + Property bundled. 10–20% cheaper.
Updated 2026 · 350 industries covered · All 50 states
By clicking, you agree to My Digital Kube's Terms of Use and Privacy Policy, and authorize My Digital Kube and its affiliated carrier partners to contact you using the information you provide during the quoting process. Consent is not a condition of obtaining a quote.
A Business Owner's Policy (BOP) combines General Liability and Commercial Property insurance into a single bundled policy — typically at a 10–20% discount compared to buying both separately. It's the most popular commercial insurance package for small to mid-size businesses with a physical location. BOP coverage protects against the two most common business insurance exposures: someone gets hurt or their property is damaged (GL), and your own physical assets are damaged, stolen, or destroyed (property). Most BOPs also include business interruption coverage, which replaces lost income if a covered event forces you to temporarily close.
Understanding these factors helps you anticipate costs and find ways to reduce them.
Know what you're buying before you sign.
Search or browse your industry to compare rates by state and city.
Price is only one factor. Here's what else to look at before you bind.
Practical steps to reduce your premium without reducing your protection.
Compare options in minutes. Same-day coverage. Instant certificate of insurance.
By clicking, you agree to My Digital Kube's Terms of Use and Privacy Policy, and authorize My Digital Kube and its affiliated carrier partners to contact you using the information you provide during the quoting process. Consent is not a condition of obtaining a quote.
Most small businesses pay $57–$350/month ($684–$4,200/year) for a BOP. Retail stores, restaurants, and businesses with significant property values or customer foot traffic pay toward the higher end. Home-based or very low-property businesses often do better with standalone GL.
General Liability alone covers third-party claims — someone gets hurt at your location or you damage someone else's property. A BOP adds Commercial Property coverage, protecting your own business's equipment, furniture, inventory, and space. If you have meaningful business property to protect, a BOP is almost always the better value at a lower total cost than buying both separately.
Yes — most BOP policies automatically include business interruption coverage, which replaces lost income if a covered property event forces you to temporarily close. Coverage typically applies for up to 12 months of lost revenue, plus continuing fixed expenses. The critical limitation: BI only triggers when physical property damage is the cause of closure. Pure revenue loss (slow season, economic downturn, pandemic shutdowns) is not covered.
BOPs are designed for small to mid-size businesses. Typical eligibility: revenue under $5M–$10M, physical location under 25,000 sq ft, and operations in eligible industries. High-hazard businesses — manufacturers, auto dealers, bars with significant entertainment exposure — usually don't qualify for standard BOPs and need custom commercial packages instead.
Yes — BOPs are highly customizable. Common endorsements include: cyber liability, professional liability (E&O), hired and non-owned auto, employee dishonesty, equipment breakdown, and umbrella policies. A BOP gives you a strong coverage foundation that scales as your business grows.
Most BOP property policies include a coinsurance clause requiring you to insure to at least 80% of your property's replacement value. If you fall short and a claim occurs, the carrier pays only a proportional share. Example: Your property is worth $500,000 but you only carry $300,000 in coverage (60% of value). A $100,000 claim might only be paid at 75 cents on the dollar — leaving you with a $25,000 out-of-pocket gap.
Yes — theft (including burglary and robbery) is a standard covered peril on the property component of most BOPs. Employee theft is typically excluded from the standard BOP and requires a separate Crime/Fidelity Bond or inland marine endorsement. Shoplifting coverage (inventory shrinkage) is also generally excluded from standard BOPs.
Standard homeowners insurance explicitly excludes business activities. A home-based business endorsement or in-home business BOP adds GL and limited property coverage for your business operations. Coverage limits are typically lower than a commercial BOP. If your home-based business has significant equipment, inventory, or customer visits, a commercial BOP at a shared workspace or virtual office address may offer better protection.
BOPs intentionally exclude several key exposures: employee injuries (Workers' Comp), professional errors (E&O/Professional Liability), company vehicle accidents (Commercial Auto), cyber incidents (Cyber Liability), and employment-related claims like wrongful termination (EPLI). Most small businesses need Workers' Comp at minimum in addition to their BOP, and professional service firms also need E&O.
My Digital Kube is a commercial insurance comparison platform operated by Insurance Pro Agencies, Inc., a licensed insurance agency. Business Owner's Policy (BOP) is available in 47 states (excludes AK, HI, FL). Content reviewed by licensed commercial insurance professionals. Last updated 2026-10-10. Individual rates vary — compare quotes for your specific profile. See our editorial policy.