Business Owners Policy (BOP) Calculator
Estimate your Business Owners Policy (BOP) premium in seconds. A BOP bundles general liability and commercial property coverage into one policy for small businesses.
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How Much Does a Business Owners Policy Cost?
A Business Owners Policy costs between $500 and $6,000 per year for most small businesses. A home-based office might pay $500–$1,200. A restaurant with $500K revenue and $250K in property might pay $3,500–$6,000.
What Does a BOP Cover?
General Liability
Covers third-party claims of bodily injury, property damage, and personal injury that occur on your premises or during your operations.
Commercial Property
Covers your building (if you own it), equipment, inventory, furniture, and fixtures against fire, theft, vandalism, and certain natural disasters.
Business Interruption
Covers lost income and ongoing expenses if a covered event forces you to close temporarily.
Frequently Asked Questions
Who qualifies for a BOP?
Most small businesses with fewer than 100 employees and under $5M in revenue. High-risk industries (construction, manufacturing, bars) may not qualify and need standalone policies.
Is a BOP cheaper than separate policies?
Yes. Bundling general liability and property into a BOP typically saves 15–25% compared to buying each separately.
What's not covered?
Workers comp, commercial auto, professional liability, and flood are excluded. You need separate policies for those.