Koosh Insurance · Business & Industry
Business Owners Policy (BOP)
A Business Owners Policy bundles general liability, commercial property, and business interruption into a single policy at a single price — usually at meaningful savings compared to buying the three separately. For eligible small and mid-size businesses, it's almost always the right structure to start with.
Coverage
What this coverage includes
- General liability — bodily injury, property damage, personal and advertising injury
- Commercial property — building, business personal property, tenant improvements
- Business interruption — usually included automatically, often with a 12-month period of indemnity
- Equipment breakdown — frequently included or available as a low-cost add-on
- Crime and employee dishonesty — within sub-limits, expandable by endorsement
- Cyber liability — increasingly bundled at modest sub-limits, with the option to expand or stand alone
- Hired and non-owned auto — available by endorsement on most BOPs
Who Buys This
Who typically buys this coverage
- Office-based professional service firms — consultants, attorneys, accountants, agencies
- Retailers and small restaurants within carrier appetite
- Light contractors and trades — many BOPs accept artisan contractors with limited subcontractor exposure
- Small manufacturers and wholesalers within size and operations limits
- Real estate offices, salons, fitness studios, and similar service businesses
Why Koosh
Why Koosh Insurance
A BOP is simple in structure but the underwriting is sensitive — a small operational detail or class-code error can move you out of BOP appetite and into a more expensive standalone program. We get the details right.
Eligibility shopping across multiple carriers — different BOP carriers have very different appetites.
Coverage comparison, not just price comparison — sub-limits, exclusions, and what's bundled all vary.
Renewal market check every cycle — when the incumbent gets uncompetitive, we shop; when it's still the best deal, we tell you.
BOP-to-CPP transition — when your business outgrows the framework, we restructure without coverage gaps.
One-stop placement — BOP plus workers' comp, commercial auto, umbrella, cyber, and any specialty lines you need, all from one point of contact.
FAQ
Frequently asked questions
This page provides general information about Business Owners Policy (BOP) insurance and is not a substitute for tailored advice from a licensed insurance broker. Coverage availability, terms, exclusions, and pricing depend on your specific business operations, location, claims history, and carrier underwriting. Contact a Koosh Insurance broker for a personalized consultation. Koosh Insurance — License #L135215.
Get a quote for Business Owners Policy (BOP)
Talk to a licensed Koosh broker. We'll review your specific situation, source quotes from appropriate carriers, and walk you through the coverage that actually fits your business.