Safeguard Your Small Business with a Business Owners Policy (BOP)

All-in-one coverage combining property, liability, and business interruption protection

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Business Owners Policy

Simplified Insurance for Small Business Owners

A Business Owners Policy (BOP) bundles essential coverages into one cost-effective package—designed specifically for small and medium enterprises. At Peterman Insurance Services, our perspective ensures you understand every component of your BOP, so you can protect your assets, employees, and bottom line without the complexity.

Property Coverage

Protect your building, equipment, inventory, and business personal property from risks like fire, theft, and vandalism.

Business Interruption
Reimburse lost income and operating expenses if your business is forced to close temporarily due to a covered peril.

General Liability

Cover third-party bodily injury, property damage, and advertising liability—so you can serve customers with confidence.

Your Business Owners Policy insurance Questions, Answered

Clear answers to common Business Owners Policy questions—so you know how to bundle coverage and reduce gaps in your protection

A BOP is a packaged insurance policy that combines property, general liability, and business interruption coverage into one policy—typically at a lower premium than buying each separately.

Small to mid-sized businesses such as retail stores, professional offices, contractors, and service providers usually qualify—provided they meet size and revenue thresholds set by insurers.

Yes. You can add endorsements or riders such as cyber liability, equipment breakdown, or employee dishonesty to tailor your BOP to your specific risks.

Premiums are based on your industry class, annual revenue, payroll, location, building construction, and claims history. We’ll analyze your operations to secure competitive rates..

It reimburses lost net income and necessary continuing expenses—like payroll and rent—if you must pause operations due to damage from a covered event..

Absolutely. Bundling your BOP with workers’ compensation or commercial auto often earns multi-policy discounts and simplifies your renewals.