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Business Owner’s Policy (BOP)

Business Owner’s Policy (BOP) Two Essential Coverages. One Simple Package.

The smart, bundled solution for small and mid-sized businesses that want reliable protection without the complexity.

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Overview

What Is a Business Owner’s Policy?

A Business Owner’s Policy (BOP) bundles General Liability Insurance and Commercial Property Insurance into a single, cost-effective policy. It’s designed for small to midsize businesses that need broad coverage without managing multiple policies.

Whether you run a boutique, a studio, a café, or a small tech office, a BOP offers foundational protection for both your space and your legal exposure.

A BOP simplifies your insurance while saving you money and time

What’s Included in a BOP?

Core Coverages of a BOP

1
General Liability Insurance
Protection if someone is injured on your property or if your business is sued for property damage, libel, or other liabilities.
2
Commercial Property Insurance
Coverage for your physical assets including your building (owned or leased), equipment, inventory, furniture, and more.
3
Business Interruption Coverage
Lost income due to temporary shutdowns
4
Cyber Liability
Protection from hacks, breaches, and digital threats
5
Crime & Employee Dishonesty
Theft or fraud by employees
6
Equipment Breakdown
Repair or replacement of critical systems
Who Should Consider a BOP?

Is a BOP Right for Your Business?

A Business Owner’s Policy is ideal for businesses that:

Popular With:

  • Have a physical office, retail space, or leased premises
  • Store inventory, equipment, or business property
  • Interact with customers or vendors in person
  • Are looking to bundle and save on essential coverage
  • Need proof of insurance for leases or vendor agreements
  • Retail stores & boutiques
  • Coffee shops, cafes, and food service
  • Creative studios & agencies
  • Small manufacturers or wholesalers
  • Tech startups in shared workspaces
  • Salons, gyms, and wellness businesses
Why Choose GlobalPayGuard for Your BOP?

The GlobalPayGuard Advantage

Customized Bundles

Choose add-ons relevant to your business

Cost-Effective

Save more than buying coverages separately

Flexible Limits

Scale as your business grows

Instant Proof of Insurance

Ideal for landlords, lenders, or clients

Available in 40+ Countries

Global reach with local support

Real-Life BOP Scenarios

  • A fire damages a retail shop’s inventory and forces a 2-week closure BOP covers both property loss and income interruption.
  • A customer slips in a bakery and sues for medical costs general liability within the BOP handles legal and medical payments.
  • A break-in at a co-working office leads to stolen laptops and production delays BOP steps in to recover.
FAQs

What’s the difference between a BOP and separate policies?
A BOP combines general liability and property coverage into one plan, making it more affordable and easier to manage.
Can I add cyber, auto, or workers’ comp to a BOP?
Yes. while not part of the base policy, these can be bundled into a custom package for your needs.
Is a BOP required by law?
It’s not legally required, but many landlords, lenders, and partners do require it for doing business.
Can I get a BOP if I work from home?
Yes, if you store business equipment or have foot traffic (clients, deliveries), you may still qualify.

All-in-One Coverage Starts Here

Skip the stress of juggling multiple policies. With a BOP from GlobalPayGuard, you can secure the most important aspects of your business all in one place.

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