Combine key property and liability protections in one convenient policy designed around the needs of eligible businesses.
Running a business means protecting more than one thing. Your property, equipment, income, customers, and liability exposures can all play a role in keeping your operation moving.
A Business Owners Policy, commonly called a BOP, combines several important commercial insurance protections into one convenient policy. BOPs are commonly designed for eligible small and midsize businesses and can provide a simpler alternative to purchasing several core coverages separately.
Eligibility, coverage, limits, exclusions, and available options vary by insurer, business type, location, size, and underwriting requirements.
A BOP typically combines commercial property, general liability, and other important business protections. Specific coverage and limits vary by insurer and policy.
Protects eligible equipment, furniture, inventory, supplies, and other business-owned property from covered losses.
Protects an eligible insured building and certain permanently attached property when the business owns its location.
Protects against covered third-party claims involving bodily injury, property damage, and certain personal or advertising injuries.
Helps replace eligible income when a covered property loss interrupts normal business operations.
Helps cover certain additional expenses needed to continue or restore operations following a covered loss.
Provides liability protection for certain covered claims arising from products sold or work completed by the business.
Additional protections can be included or added based on the business, insurer, and policy selected.
Protects eligible equipment and systems against certain sudden mechanical, electrical, or pressure-system breakdowns.
Adds protection for certain cyber incidents, data breaches, response expenses, and related liability exposures.
Provides protection for certain employment-related claims involving allegations such as discrimination, harassment, or wrongful termination.
Extends liability protection to certain rented, leased, or employee-owned vehicles used for business purposes.
Provides additional protection for certain covered losses resulting from interruptions to qualifying utility services.
Protects eligible perishable inventory against certain covered losses involving refrigeration, power interruption, or equipment failure.
A BOP can simplify business insurance, but the right protection still depends on what you do, what you own, and the exposures that come with your operation.
Understand what's included in your policy, where additional protection could make sense, and how your coverage works together.
Explore insurance solutions based on your operations, property, customers, employees, and individual business needs.
As your business grows or changes, Enxura can help you review your coverage and explore available options.
A Business Owners Policy combines several common commercial insurance protections into one policy for eligible businesses, typically including commercial property and general liability coverage.
Many small and midsize businesses can qualify, including certain retailers, offices, service businesses, restaurants, contractors, and other eligible operations. Eligibility varies by insurer and the characteristics of the business.
No. General liability is one component of a BOP. A BOP combines liability protection with commercial property coverage and other protections available under the policy.
Business income and extra expense coverage are commonly included in or available with BOPs and can help when a covered property loss interrupts normal operations. Coverage is subject to policy terms, limits, and covered causes of loss.
Workers' compensation is generally written separately from a BOP. Businesses with employees should evaluate their workers' compensation obligations and coverage needs.
Commercial auto insurance is generally written separately. Hired and non-owned auto liability can sometimes be added for qualifying business vehicle exposures.
Some BOPs provide limited cyber or data breach protection, while broader cyber coverage can be added by endorsement or written as a separate policy.
Pricing depends on factors such as business type, location, revenue, property values, claims history, number of employees, coverage limits, deductibles, and selected options.
Yes. As a business becomes larger or more complex, separate commercial policies or a Commercial Package Policy (CPP) can provide greater flexibility for its evolving exposures.
From your property to your liability exposures, Enxura can help you explore coverage designed around the way your business operates.
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