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Business Owners Policy

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Many small business owners mistakenly believe that if they have general liability insurance, their own losses are covered as well as the losses of their customers. But a general liability policy does not protect you when it comes to your OWN property. If you want to protect your own property consider buying Business Owners Policy (BOP).


Business Owners Policy (BOP) is enhanced insurance that combines general liability insurance and property insurance.


Business Owners Policy (BOP) covers:


  • General liability insurance which protects your business from another person or business’ claims of bodily Injury, associated medical costs and damage to their property.
  • Property Liability Insurance - your business furniture and equipment at up to five different office locations, which includes accidental damage.


You should consider a business owners policy if you


  •   Need general liability insurance coverage.
  •   Have business equipment such as computers, printers and furniture.
  •   Own the building at which you work and need to insure the property.
  •   Own and work with large amounts of data on a regular basis.
  •   Have employees who could act dishonestly or steal clients' property.


Customize your Business Owner Policy (BOP)


Depending upon the specific needs of your business, you can customize your BOP policy by choosing options such as:


What Business Owners Policy (BOP) does NOT Cover


Business Owners Insurance does not protect you from Professional Services. For example

  •  Certain claims, including those arising from professional services you perform.
  •  Client damages if you provide inaccurate or incomplete advice to a client.


To get professional services coverage you can choose to buy a Professional Liability insurance policy in addition to Business Owners Policy.


Get a fast, free quote now and get that Hiscox confidence behind your business, too. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday thru Friday from 8am-10pm ET.



This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.

Contact Hiscox the small business insurance specialists, and speak to one of our licensed agents today!


Mon-Fri: 8am - 10pm ET