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Business Owners Policy (BOP) Insurance

Bundle essential business insurance coverages into one convenient, affordable package with BOP insurance.  

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What is BOP Insurance?

A business owners policy, often called a BOP policy, combines general liability, commercial property, and business interruption insurance into one policy. Popular among small and medium-sized businesses, BOP insurance helps protect against a variety of claims.

At Westfield, we take BOP insurance a step further. With SureStep® BOP, many expanded endorsements are included, and you can enhance your policy with additional coverages to better meet your unique insurance needs. SureStep allows business owners to create an affordable, yet powerful insurance package.

SureStep BOP

Insurance That Grows With Your Business

As a business owner, your insurance needs can shift quickly. That’s why we created SureStep BOP, the flexible, grow-as-you-go business owners policy. All SureStep BOP policies start with general liability, commercial property, and business interruption insurance, but can be customized with additional coverages like commercial auto and inland marine. Plus, you can adjust coverages and policy limits as your business needs change over time. With SureStep BOP, we’re with you every step of the way. 

Hear From Our Customers

My company has been a customer with Westfield for at least 5-7 years and even though we don’t have many claims, when we do, they jump right in and take care of all the issues in a timely manner and very professional. Glad we have them, as it makes our job a lot less stressful when it comes to these issues. 

– Gregory M., Commercial Lines Customer 

Standard SureStep BOP Coverages

What Coverages are Included in a BOP?

With a SureStep BOP policy, the following three types of insurance are always included, with the option to add almost any additional commercial coverage* that Westfield offers.  

Property

Protection for your owned or rented buildings, property used to operate your business, and the personal property of other people. 

Business Interruption

Coverage that keeps the cash flowing so you can meet your obligations if you can’t operate because of covered property damage.

General Liability

Insurance that helps protect against lawsuits and claims alleging negligence, bodily or personal injury, or property damage.
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BOP Exclusions

What is Excluded From a Business Owners Policy?

A traditional BOP policy excludes coverages like commercial auto and cyber, but with Westfield’s SureStep BOP, you can add almost any commercial coverage we offer. There’s no need for a separate policy, so you’ll enjoy the convenience of one bill for all your commercial coverages.

Depending on the type of business you own, the industry you work in, the number of employees you have, and other factors, your BOP policy will have specific coverage limits and/or exclusions. Additionally, you may need a separate policy for workers’ compensation insurance.

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Businesses That Benefit

Who Needs a Business Owners Policy? 

Many small to medium-sized businesses can benefit from BOP insurance, especially if they rent or own a workspace. With SureStep BOP, eligible businesses gain protection against accidents, lawsuits, income loss, and more. While a BOP policy can easily be customized to match the unique needs of many businesses, here are some of the industries we commonly serve:

Who is Eligible for a Business Owners Policy?

While many small to medium-sized businesses qualify for a BOP policy, there are some industry-specific exclusions. Business owners policy eligibility factors typically include:

  • Industry experience
  • Number of buildings
  • Number of locations
  • Payroll
  • Revenue

How Much Does a Business Owners Policy Cost?

Our BOP policy is less expensive than buying separate property, general liability, and business interruption policies. Your final BOP insurance cost will depend on a variety of factors, such as:

  • Claims history
  • Coverage limits
  • Location(s)
  • Number of employees
  • Revenue
  • Risk exposure
  • Type of business

The best way to find out what BOP insurance will cost for your business is to get a quote. Contact an agent to get started. 

Customize Your BOP Insurance

More Coverage Options to Consider

Business Auto

Protection for the vehicles your business owns, hires, or borrows and the employees who drive them. 

Commercial Cyber

Insurance that provides first- and third-party coverage against losses like data breaches, extortion, and ransomware. 

Crime Insurance

Protection against theft of money or property inside or outside your premises under certain circumstances.

Equipment Breakdown

Coverage for the cost to repair or replace equipment and any property damaged by the equipment breakdown.

Inland Marine

Coverage for property that is movable or used in multiple locations, such as equipment, tools, and goods in transit.  

Commercial Umbrella

Protection beyond the coverage limits of your business policy that is typically used for larger exposures.
Get a BOP Insurance Quote

Find an Agent Near You

Insurance for business owners can be confusing. No matter what type of business you own, our agents can help you select the right BOP insurance coverages. Reach out today to start the quote process. 
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* Please review your actual policy language to see applicable coverages, limits, and exclusions.