General Liability GL
Offices, shops, and service businesses · Contractors who must give certificates to general contractors
Core protection if a third party alleges bodily injury or property damage arising from business operations.
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Commercial Lines
Business Owners Policy (BOP)
A packaged approach that combines property and liability for many small and midsize businesses.
A BOP is a bundle. Instead of buying general liability and commercial property as two separate policies, many small businesses buy them together in one package — often with business-income coverage available.
How it works
The BOP exists because a lot of offices, shops, and service firms need the same two things: protect the stuff, and protect the business if someone gets hurt. Packaging them can be simpler and more cost-effective than a custom policy. It is not the right box for every company. Heavy manufacturing, large contractors, and unusual operations often need a separate commercial package. We use the BOP when the business fits, and we step up to a custom program when it does not.
Who this is for
- Small and midsize offices
- Retail and light service businesses
- Professional firms with a simple location
- Owners who want one policy instead of two to start
What it typically covers
- General liability
- Business personal property and, if needed, the building
- Optional business income
- Selected endorsements for the way the shop actually runs
A simple example
A design studio has rented space, computers, and clients walking in. A BOP can cover the contents and the slip-and-fall exposure in one policy, which is usually cleaner than buying each piece alone.
Good to know
- A BOP is a starting structure, not a complete risk program. Auto, workers’ comp, and professional liability are still separate.
- If the business outgrows the BOP eligibility rules, we move it to a full package.
Coverage, eligibility, and terms vary by location and underwriting.
Guides
Read this before you quote or apply.
Guide
BOP vs. separate general liability and property
When a packaged business owners policy is enough, and when a contractor or manufacturer has already outgrown it.
Read guideGuide
What to review before renewing commercial liability
Limits, additional insureds, class codes, and the claims that actually blow through a $1 million GL policy.
Read guide