One policy instead of three
Liability, property, and business income underwritten together, on one renewal date, with one bill. Fewer gaps between policies and less to keep track of.
BUSINESS OWNERS POLICY
Business owners policy quotes for Texas businesses.
Complete the form below and a licensed insurance professional will follow up to review your options. There is no obligation to purchase.
BUSINESS OWNERS POLICYWork directly with a licensed independent agent
Business owners policy quotes for Texas businesses.
One short form. A licensed independent agent compares BOP options from carriers who write your class of business. Serving Texas, Virginia, California, and North Carolina.
✓
Liability and property in one policy✓
Business income if you have to close✓
Built for small businesses — we’ll confirm you qualifyYears helping business owners
13
Independent agency
Licensed states
TX · VA · CA · NC
● All licenses active
“Your request goes directly to a licensed agent — it is never sold or routed to third parties.”
WHY OWNERS ASK FOR A BOP
Most small businesses need liability and property. A BOP puts them in one policy.
A business owners policy bundles the two coverages most small businesses buy anyway — general liability and commercial property — and adds business income. For businesses that qualify, a BOP is often priced better than buying general liability and property separately — though not always, which is why we check it both ways.
Written for your class code
BOP eligibility is decided by what you actually do, your revenue, and your square footage — not by an industry picked from a dropdown. Our intake collects what underwriters need so you are not quoted by a carrier that cannot write you.
If you don’t qualify, we’ll say so
Plenty of businesses fall outside BOP eligibility. If yours does, we will quote general liability and property separately instead of pretending the package fits.
WHAT’S INSIDE A BOP
What a business owners policy actually includes.
A BOP is a package. The three core parts are below, along with coverages carriers commonly offer as add-ons. Your exact coverage depends on your policy form, endorsements, and carrier — this describes typical structure, not your specific policy.
GL
General liability
Claims brought against your business by other people: bodily injury, damage to someone else’s property, and personal and advertising injury. The same coverage you would buy as a standalone general liability policy.
PROP
Commercial property
Your building if you own it, plus business personal property — inventory, equipment, furniture, and fixtures. Covers named or open perils depending on the form.
BI
Business income & extra expense
If a covered loss shuts you down, this can replace lost income during the restoration period and help pay the extra costs of operating somewhere else. This is the part owners most often forget they need, and often the part that matters most.
ADD
Commonly available add-ons
Carriers frequently offer equipment breakdown, data compromise or cyber, employment practices liability, and hired and non-owned auto as endorsements. Availability varies by carrier and class.
NOT
What a BOP does not include
A BOP is not everything. It generally does not cover employee injuries (workers’ compensation), vehicles you own and drive for work (commercial auto), professional mistakes (errors & omissions), or flood and earthquake. We will tell you which of these you actually need.
Simple 3-step process
Step 1
Tell us about your business
Share your trade, location, revenue, square footage, and what you need to insure.
Step 2
We check eligibility and shop it
A licensed agent confirms which carriers can write your class, then compares BOP options — or quotes general liability and property separately if a package is not the right fit.
Step 3
Compare options & bind
Review quotes, ask questions, and choose the option that fits your coverage needs and budget.
Bonus
Certificates & ongoing support
Request certificates and additional insured endorsements as jobs and leases come up, and update limits as the business grows.
WHO QUALIFIES
Not every business qualifies for a BOP.
This is the part most quote sites skip. Carriers restrict BOPs to smaller, lower-hazard businesses, and each carrier draws the line differently. Rather than waste your time, here is roughly how eligibility works.
FIT
Usually a good fit
Retail shops and storefronts · Offices — professional services, agencies, consultancies · Small wholesalers and light service businesses · Restaurants and food service — appetite varies by carrier, especially with alcohol or frying · Apartment and small commercial building owners
ASK
Usually needs a different structure
Businesses above a carrier’s revenue or square-footage limits · Higher-hazard trades such as roofing, demolition and excavation · Habitational and hospitality risks above a certain size · Anything with significant products or completed-operations exposure · Businesses with heavy vehicle or professional-liability exposure
HOW
What decides it
Carriers weigh your class of business, annual revenue, building square footage, number of locations, and claims history. The thresholds differ by carrier. If you are near any of those lines, that is exactly when it pays to have someone check several carriers instead of taking one decline as the answer.
Carriers we work with include
Travelers · Liberty Mutual · The Hanover · AmTrust · The Hartford
Carrier availability varies by state, class of business, and underwriting appetite. Not all carriers are available for every risk.