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Business Owners Policy (BOP)

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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.


What Does a Business Owners Policy Cover?


  • 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 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.





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Thomas, Baton Rouge, LA
"Great to find a company that wants your business. Terrific. The gentleman I spoke with was a great help in getting me set up. I had also contact three other companies (two online and one was a local agent), and after the initial contact, I never heard from them again. It was nice to work with a company that actually wants my business"



Scott, Las Vegas, NV
“Quick and easy! Very reasonable price and nice online policy management.”



Brian, Irving, TX
"Excellent Customer Service. The agent I spoke with was extremely courteous and professional.  He listened carefully to our needs, asked the right questions, and quickly developed a policy suited to our requirements without trying to sell unnecessary options.”



Patricia, San Diego, CA
"Good experience. The woman I spoke with was polite and most important knowledgeable.”



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"The Best Way To Go For Small Businesses and Non-Profits. The Price was more than Fair and it was Fast once I explicated what was that I needed. I will tell other Non-Profit Organizations about Hiscox .”



Jack, Monroe, NC
"My strongest possible recommendation is that you call Hiscox first. From the very first phone call i got the sense that every Hiscox rep I spoke with was HONESTLY interested in getting me insured according to my needs, and not according to their commissions.  As a new business startup I am trying to be as frugal as I can be to get underway, without leaving important matters unhandled.  The reps worked with me for days to arrive at the best package for my business needs.  Thank you all again!”



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"Not at all like other insurance companies stuck in the past" refreshing difference in this company and how they act.



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"Easy, Affordable, Lots of Options. Very clear options & pricing. I needed something ASAP, and this was perfect I also polled my peers, and Hiscox came up over & over again as the go-to. I concur.”



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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. Specific coverage terms can vary by class of business. 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