Business owners (BOP) insurance, shopped across 20+ carriers
A Business Owners Policy (BOP) is a bundled commercial package — typically combining general liability, commercial property, and business interruption coverage — designed for small to medium-sized businesses at a combined premium lower than buying each policy separately.
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Affordable business owners (bop) insurance in NV, AZ, UT, TX & OH
Small to mid-size businesses in NV, TX, OH, UT, or AZ that own or lease a physical location, maintain business property, and face general liability exposure — offices, retail stores, restaurants, contractors, and service businesses. High-hazard industries may be ineligible for a standard BOP.
As a local broker with access to 20+ carriers, Liberty Choice does the shopping for you and brings back a competitive rate you qualify for — across all five states we’re licensed in.
At a glance
Business owners (BOP) insurance at a glance
- Three coverages in one affordable package. A BOP bundles general liability, commercial property, and business interruption into a single policy, typically costing less than buying each coverage separately.
- Required by most commercial leases. Landlords across Nevada, Arizona, Utah, Texas, and Ohio routinely require tenants to carry at least $1 million in general liability before signing a lease, making a BOP the fastest path to compliance.
- Business interruption is the hidden value. When a fire, burst pipe, or other covered event shuts your business, the income-replacement component pays rent, payroll, and operating costs during the closure, something standalone GL and property policies do not include.
- Not every business qualifies. Insurers generally offer BOPs to small to mid-size businesses with limited hazard levels; high-risk industries such as heavy manufacturing, large contractors, or bars may need a commercial package policy instead.
Source: Insurance Information Institute (III), 2025; Insureon, 2025
Coverage explained
What business owners (bop) insurance covers
The details
The parts of a business owners (bop) policy
| Coverage | What it covers | Typically |
|---|---|---|
| Commercial general liability | Third-party bodily injury, property damage, and advertising injury claims | Required |
| Commercial property | The building you own and your business personal property including inventory and equipment | Required |
| Business interruption | Lost income and continuing operating expenses while the business is closed due to a covered loss | Required |
| Products and completed operations | Claims from products you sell or services you complete after delivery | Recommended |
| Data and records coverage (confirm) | Cost to restore electronic data or business records destroyed in a covered loss | Optional |
| Equipment breakdown | Repair or replacement of business equipment that fails due to mechanical or electrical breakdown | Recommended |
| Hired and non-owned auto | Liability from employees using personal or rented vehicles for business purposes | Add-on |
| Money and securities | Theft of cash, checks, or securities on or off premises | Optional |
Requirements vary by state — your Liberty Choice agent confirms exactly what NV, AZ, UT, TX or OH requires.
How does business owners (bop) insurance work?
A Business Owners Policy (BOP) bundles commercial general liability and commercial property insurance into a single, cost-effective package designed for small to midsize businesses. The property portion covers your building (if owned) and business personal property such as inventory, furniture, and equipment. Most BOPs also include business interruption coverage, which replaces lost income if a covered loss forces the business to suspend operations.
Pricing
What does business owners (bop) insurance cost?
Typical annual BOP premiums by business type. Your actual quote depends on revenue, square footage, claims history, and the specific carrier.
| Business type | Typical annual premium |
|---|---|
| Low-hazard office or service (e.g., consultant, accountant) | ~$500-$1,500 |
| Retail shop (small to mid-size) | ~$1,000-$3,000 |
| Restaurant or food service | ~$2,000-$6,000 |
| Contractor or trade (where eligible) | ~$1,500-$4,000 |
Figures are typical averages for qualifying small businesses; actual premiums depend on revenue, square footage, claims history, and the specific carrier.
Source: Insurance Information Institute (III), 2025; Insureon, 2025; NAIC, 2025
Beyond the basics
Optional & additional coverage
Ask your agent about these add-ons for extra peace of mind:
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Ways to save on business owners (bop) insurance
- Keep your business classification accurate. Misclassified operations often end up in higher-risk rating categories; an accurate description of what you do can lower your base rate.
- Install fire suppression and security systems. Sprinkler systems, monitored alarms, and deadbolts directly reduce the commercial property premium and can qualify you for packaged discounts.
- Pay your premium in full. Most carriers discount the annual premium by 5-10% when paid upfront rather than monthly.
- Bundle with workers' comp at the same insurer. Adding workers' comp to the same carrier as your BOP often earns a multi-policy credit and simplifies renewals.
- Maintain a claim-free record. Three or more years without a claim typically unlocks a preferred pricing tier and may reduce the BOP deductible requirement.
- Review limits annually. Underinsured businesses pay premiums on inadequate limits and may face unexpected out-of-pocket costs; right-sized limits keep you from over- or under-paying.
Source: Insurance Information Institute (III), 2025; Insureon, 2025
Questions
Business owners (BOP) insurance FAQ
Is a BOP the same as general liability insurance?
Does a BOP cover commercial vehicles?
How much does a business owners policy cost?
What is the difference between a BOP and a commercial package policy?
Does a BOP include professional liability or workers' compensation?
Can a home-based business get a BOP?
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