A Business Owners Policy packages general liability, commercial property, and business income (interruption) into one policy for small to midsize businesses. One bill, broad protection, fewer headaches. Coverage specifics vary by carrier—always review the declarations and forms.

Typically low- to moderate-risk businesses (retail, offices, restaurants, light services) with modest revenue/payroll and limited square footage. High-hazard operations may need a custom package instead. Underwriting rules differ by carrier.

Property (your building/contents), general liability (third-party injury/property damage), and business income/extra expense after a covered loss. Many carriers include equipment breakdown and optional endorsements for things like cyber or EPLI.

Workers’ comp, commercial auto, professional liability (E&O), flood/earthquake, employee injuries, and cyber/EPLI unless added. Wear-and-tear and intentional acts are out. Translation: it’s powerful, not magical.

Pricing depends on your industry, location, building value, contents, revenue/payroll, claims history, chosen limits, and deductibles. We’ll shop multiple carriers to keep it honest and competitive.

After a covered loss shuts you down, it helps replace lost net income and pays ongoing expenses (like rent and payroll) during the “period of restoration.” You can add Extra Expense to speed reopening. Some carriers offer 12/18/24-month options.

Yes. Landlords usually require general liability with them listed as Additional Insured, plus proof via a COI. A BOP also protects your contents, improvements, and business income—things your landlord’s policy doesn’t touch.

Usually, yes—either as endorsements or separate policies. Cyber helps with data breach and ransomware; EPLI addresses employee claims; Professional Liability covers errors in your services. We’ll recommend what fits your risk profile.

Common picks: General Liability $1M per occurrence / $2M aggregate. Property should be insured to replacement cost (not resale). For Business Income, choose a realistic time horizon to fully recover—12+ months is common.

Legal name & address, description of operations, years in business, revenue/payroll, square footage, building details (construction, year built, protections), equipment inventories, and 5-year loss runs if available.

Report the loss ASAP, take reasonable steps to prevent further damage, document everything (photos, receipts), and keep records of lost income/expenses. We coordinate with the carrier’s adjuster start to finish.

Often same day after underwriting approval. Some risks need inspections or additional info—still quick, just not “blink and it’s bound.”