— where your peace of mind is our priority.

We are committed to offering comprehensive, tailored insurance solutions that protect you, your family, and your business from the unpredictability of life.  

providing tailored coverage,

designed to match your unique needs.

Our expert team, armed with extensive industry knowledge, offers you the most advantageous advice while ensuring unparalleled customer service at every step of your insurance journey. By partnering with top-rated insurance providers, we deliver the best policies at competitive rates. At OnePoint, we're not just an insurance agency; we're your trusted partner in securing a worry-free future. Experience the OnePoint difference today!

Image Slider

providing tailored coverage,

designed to match your unique needs.

Our expert team, armed with extensive industry knowledge, offers you the most advantageous advice while ensuring unparalleled customer service at every step of your insurance journey. By partnering with top-rated insurance providers, we deliver the best policies at competitive rates. At OnePoint, we're not just an insurance agency; we're your trusted partner in securing a worry-free future. Experience the OnePoint difference today!

save money with our discounted offers

Our Partners

Business owner making sales and appreciating owners policy

How Business Owner’s Policies (BOPs) Work: Bundled Protection Made Simple

Business Learn

July 15, 2025•3 min read

How Business Owner’s Policies (BOPs) Work: Bundled Protection Made Simple

One Policy, Big Protection for Small Businesses

If you're a small to mid-sized business owner, you likely need several types of insurance property, liability, and more. A Business Owner’s Policy (BOP) conveniently bundles the essentials into one smart, cost-effective policy.

At OnePoint Insurance Agency, we help businesses across Georgia, Texas, Alabama, Florida, Illinois, Arizona, and beyond simplify their protection without cutting corners.

What a Business Owner’s Policy Covers

A BOP combines multiple core coverages into one streamlined plan:

Standard Coverage:

General Liability Insurance
Covers third-party bodily injury, property damage, and legal defense.
Commercial Property Insurance
Pays to repair or replace your building, inventory, furnishings, or tenant improvements.
Business Interruption Insurance
Replaces lost income and covers operating expenses if your business temporarily shuts down due to a covered peril like a fire or storm.

Optional Add-Ons Include:

Cyber Liability Insurance
Equipment Breakdown
Hired & Non-Owned Auto Coverage
Professional Liability (Errors & Omissions)
Employee Dishonesty / Crime Coverage

What’s Not Covered in a BOP

While BOPs are comprehensive, there are some exclusions:

Workers’ Compensation – Purchased separately to cover employee injuries
Commercial Auto Insurance – Needed for vehicles used in business
Health or Disability Coverage – Requires individual or group health policies
Flood and Earthquake Damage – Must be added via separate endorsement
Professional Errors – Requires a separate E&O (professional liability) policy

OnePoint advisors can recommend the right add-ons based on your risk profile and industry.

Who Needs a Business Owner’s Policy?

A BOP is ideal for small to mid-sized businesses that want broad, bundled protection without managing multiple standalone policies.

You should consider a BOP if you:

Own or lease commercial space
Have inventory, equipment, or furnishings to protect
Serve the public or work with clients onsite
Rely on business income to operate
Prefer simplicity and cost savings over piecemeal policies

Industries served:
Retail stores, restaurants, offices, salons, clinics, fitness studios, photographers, consultants, and more.

Frequently Asked Questions

How much does a BOP cost?
Premiums start around $500 per year, depending on your property value, industry, and coverage selections. Bundling is usually more affordable than buying standalone policies.

Can I customize my BOP?
Yes. You can add endorsements for cyber liability, EPLI, equipment breakdown, and more—especially useful in tech, healthcare, and food service sectors.

Is business interruption included?
Yes. Most BOPs include lost income coverage and help with continued operating costs during covered shutdowns.

What if I work from home?
If you see clients, store inventory, or use professional equipment at home, a BOP may be appropriate—homeowners insurance usually won’t cover these exposures.

Does OnePoint serve my area?
Yes. OnePoint offers BOPs in Georgia, Texas, Florida, Illinois, Alabama, Arizona, and across the U.S.

How OnePoint Can Help

OnePoint is an independent insurance agency that shops top-rated carriers to match you with the best BOP for your industry, budget, and risk level.

We’ll help you:

Understand what’s covered—and what’s not
Add the right endorsements for your business
Compare options and find cost-effective bundles
Avoid underinsuring or overpaying

From your first client to your next expansion—we’re here to support your journey.

Get a Quote or Learn More

Your Questions Answered

What types of insurance does OnePoint Insurance Agency offer?

OnePoint Insurance Agency offers a wide range of insurance products, including home, auto, life, business, group health, group disability income, individual disability income, long-term care, short-term care, and critical illness insurance.

Where is OnePoint Insurance Agency located?

Our office is located in 555 North Point Center E Suite 400, Alpharetta, GA 30022

How can I get an insurance quote from OnePoint Insurance Agency?

You can get an insurance quote by visiting our website and filling out a quote request form, calling our office, or scheduling an appointment with one of our agents.

What makes OnePoint Insurance Agency different from other insurance agencies?

OnePoint Insurance Agency is an independent agency, meaning we can shop around with multiple insurance carriers to find the best coverage and rates for our clients. We also provide personalized service and tailored solutions to fit each client's unique needs.

How can I contact OnePoint Insurance Agency for customer service?

You can contact us by phone, email, or through our website's contact form using this link Our customer service team is available to assist you during our regular business hours.

Do you offer any discounts on insurance policies?

Yes, we offer various discounts on insurance policies, depending on the type of insurance and the specific carrier. Our agents can help you identify and apply any available discounts to your policy.

Can OnePoint Insurance Agency help with claims?

Absolutely. Our team is here to assist you throughout the claims process, ensuring you receive the support and guidance needed to resolve your claim efficiently.

What information do I need to provide to get an accurate insurance quote?

To provide an accurate insurance quote, we typically need information such as your personal details, property or vehicle information, coverage preferences, and any relevant history or documentation.

Does OnePoint Insurance Agency offer coverage for small businesses?

Yes, we offer a range of insurance products tailored specifically for small businesses, including liability insurance, property insurance, business overhead disability insurance, and more.

How can I leave a review for OnePoint Insurance Agency?

You can leave a review for OnePoint Insurance Agency on Google by following the link provided in our email or text message, or by searching for our agency on Google and selecting the option to write a review.