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A business owners policy packages liability and property at a better combined rate than buying them apart. We read the eligibility fine print, shop 20+ carriers, and tell you whether a BOP actually fits your operation.
What a BOP bundles.
The coverages a business owners policy packages, and the limits to watch.
| Coverage | What it covers | Good to know |
|---|---|---|
| General liability | Third-party injury and property damage from your work | The base every BOP is built around |
| Commercial property | Your building, equipment, and inventory | Ask for replacement cost, not cash value |
| Business income | Lost revenue while a covered loss shuts you down | The line owners forget until they need it |
| Equipment breakdown | Mechanical and electrical failure of your systems | A common, inexpensive add to a BOP |
| Crime and money | Employee theft, forgery, and lost cash | Sublimits here are often lower than you would guess |
| Optional endorsements | Cyber, hired auto, and EPLI, added on | A BOP is a starting point, not the whole stack |
BOPs are restricted by industry and revenue. We confirm you qualify and compare it against buying the lines apart.
Carrying separate GL and property? Let us price a BOP against them, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
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Business owners policy, answered.
The questions owners ask before they bundle.
A business owners policy bundles general liability, commercial property, and business income into one package, usually at a better combined rate than buying them separately. It is a common fit for small to mid-size offices, retail, and service firms.
It depends on your industry, your revenue, and your exposures. BOPs are limited to certain classes and sizes. We confirm you qualify and compare it against the lines bought apart before recommending it.
Workers' comp, commercial auto, and professional liability are not in a standard BOP. We map those gaps and place the lines that fill them so nothing falls between policies.
Past certain revenue or complexity, carriers move you to a package or monoline structure. We handle that transition so your coverage keeps pace with the business.
Most commercial quotes are back within 48 business hours once we have your details. We reply to any question within 2 business hours.
Ready when you are
Send us your current commercial policies. We will tell you whether a BOP fits, free.
A BOP usually sits with
Workers' compensation
A BOP does not include comp. You need it the day you hire your first employee.
Explore workers' compCommercial auto
Vehicles on the clock need their own policy. Personal auto will not cover business use.
Explore commercial autoCyber liability
A common, inexpensive add. Small businesses are the easy target for a breach.
Explore cyber