Commercial P&C

Business Owners Policy (BOP)

A BOP bundles commercial property and general liability into a single, cost-efficient policy: the efficient foundation for most small and mid-size Texas businesses. Here's what's inside, what's not, and how we build on it.

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General Liability BOP Commercial Property Commercial Auto Workers' Comp Cyber Professional Liability
The Commercial Foundation

What a BOP includes and what you still need to build on top of it

A Business Owners Policy is a smart starting point for most small and mid-size businesses because it packages two essential coverages efficiently. But it's rarely the complete picture.

What's included in a standard BOP

Commercial PropertyBuilding (if owned) and business personal property: equipment, inventory, furnishings
General LiabilityBodily injury, property damage, personal/advertising injury, products/completed ops
Business Income / InterruptionLost revenue and continuing expenses if you can't operate due to a covered loss. Often undervalued.
Extra Expense CoverageCosts to operate from a temporary location while your regular premises are being repaired
⚠️
Business Income coverage deserves special attention.

Many small business owners assume their BOP covers "everything" after a fire or major loss. The property and GL coverage does, but the business income section covers payroll, rent, and lost revenue during the period you can't operate. The waiting period, coverage limits, and how "ordinary payroll" is handled can significantly affect how useful this benefit actually is. Ask your advisor to walk through your specific scenario.

Texas-specific BOP considerations

  • ✓ Wind/hail deductibles are standard in Texas. Unlike a flat dollar deductible, Texas wind/hail deductibles are typically a percentage of the insured value, often 1–5%. Know your number before a claim.
  • ✓ Flood is never included in a BOP. Winter Storm Uri (2021) reminded Texas businesses that frozen pipe losses and flood losses are two different things. Flood requires a separate NFIP or private flood policy.
  • ✓ Not all businesses qualify for a BOP. Eligibility depends on your industry, location, and square footage. Some businesses, particularly contractors, restaurants, and manufacturing, may need standalone property and GL policies instead.

Common BOP endorsements and add-ons

A BOP is a foundation, not a finish line. Depending on your operations, we typically layer in:

Cyber LiabilityBOP cyber endorsements are limited; standalone cyber policies typically provide more comprehensive protection
Equipment BreakdownCovers sudden mechanical or electrical breakdown of business equipment, not included in standard property
Hired & Non-Owned AutoCovers liability when employees drive their personal vehicles on company business. Often missing without this endorsement
Professional LiabilitySome BOPs allow a limited E&O endorsement; standalone policy typically needed for professional service firms
Employee Dishonesty / CrimeTheft by employees, not covered under standard GL or property
Outdoor Signs, Fences, LandscapingOften excluded from standard property; can be added by endorsement up to stated limits

Is a BOP right for you?

  • Retail, office, or light service businesses typically qualify
  • Generally works for businesses under $10M–$15M revenue
  • Contractors, restaurants, manufacturers may need standalone policies
  • Ask about eligibility before assuming BOP is an option

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We'll review your current BOP or build one from scratch if you don't have one yet.

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See how other Texas businesses in your industry structure their coverage

Your BOP is probably a good start, but is it enough? Let us take a look at what you have and whether the gaps you're carrying are worth the risk.

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Coverage descriptions on this page are general in nature and for educational purposes only. Actual policy language governs all claims. All coverages are subject to policy terms and conditions. Eligibility for a BOP varies by carrier, industry, and risk characteristics. Speak with a licensed insurance professional for guidance specific to your business.