Business Owners Policy (BOP)
Comprehensive Coverage Bundled for Small Business
Business Owners Policy (BOP)
Comprehensive Coverage Bundled for Small Business
A Business Owners Policy (BOP) is one of the smartest investments a small business can make. It bundles three essential coverages — commercial property, general liability, and business interruption — into a single, affordable policy. Insure Pacific shops 50+ carriers to find the right BOP for your Oregon business.
Most small Oregon businesses save 15–30% by bundling coverage in a BOP versus buying each policy separately. Call us at (541) 238-7775 for a free comparison quote.
What Does a BOP Cover?
Commercial Property
Covers your building, equipment, inventory, and business personal property against fire, theft, and other perils.
General Liability
Protects against third-party claims of bodily injury, property damage, and advertising injury.
Business Interruption
Replaces lost income and covers ongoing expenses if your business is forced to close due to a covered loss.
Equipment Breakdown
Covers repair or replacement of mechanical and electrical equipment that breaks down unexpectedly.
Data Breach
Basic coverage for notification costs and credit monitoring if customer data is compromised.
Employee Dishonesty
Covers losses from employee theft of money, securities, or property.
Who Needs a Business Owners Policy?
Retail Stores
Shops, boutiques, and specialty retailers with customer foot traffic and physical inventory.
Service Businesses
Salons, repair shops, cleaning services, and other in-person service providers.
Offices & Consultants
Accounting firms, insurance agencies, real estate offices, and professional service providers.
Restaurants & Cafés
Food service businesses that need property, liability, and business income coverage bundled.
If your business has a physical location, employees, equipment, or customers who visit your premises, a BOP is likely the right starting point. View all commercial insurance options →
Frequently Asked Questions
What is a Business Owners Policy (BOP)?
A BOP bundles commercial property, general liability, and business interruption coverage into a single cost-effective policy. It's designed for small to mid-size businesses and typically costs less than buying each coverage separately.
What businesses qualify for a BOP?
Most small businesses with fewer than 100 employees and revenues under $5 million qualify — including retail stores, offices, service businesses, and restaurants. High-risk industries like construction typically require separate commercial policies.
What's NOT covered by a BOP?
A standard BOP does not cover professional liability (E&O), workers' compensation, commercial auto, or flood and earthquake damage. We'll help you identify any coverage gaps.
How much does a BOP cost in Oregon?
Most small Oregon businesses pay between $500 and $3,000 per year for a BOP, depending on industry, location, revenue, and coverage limits. Insure Pacific shops 50+ carriers to find you the best rate.
Get a BOP Quote for Your Oregon Business
Insure Pacific shops 50+ carriers to find you the best Business Owners Policy. Serving Bend, Prineville, Redmond, Sisters, and all of Oregon.
Get in Touch
Ready to protect what matters most? Contact us today for a no-obligation insurance review. Our experienced agents are here to help you find the right coverage for your needs.
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