Business Owners Policy
Property and liability, organized into one package for eligible businesses.
A Business Owners Policy (BOP) may combine eligible property and general liability protection into one package for qualifying small and mid-sized businesses. It is designed to simplify the conversation around the foundational exposures many businesses share.
Eligibility varies. A BOP combines qualifying coverages for eligible businesses.
Information to Prepare
- • Business name and industry
- • Location and lease or ownership status
- • Property and inventory values
- • Annual revenue estimate
- • Number of employees
- • Current policies, if any
What This Coverage May Help Address
- Covered damage to eligible business property
- Covered third-party bodily injury and property damage
- Certain business income losses after a covered event
- Some liability claims tied to business operations
Common Scenarios
- A small fire damages inventory and forces a temporary closure
- A customer is injured on your premises
- A covered event damages equipment and fixtures
- A liability claim is brought related to your operations
What May Not Be Included
- ✕ Coverage for vehicles used in business
- ✕ Employee injury and workplace incidents
- ✕ Professional errors and omissions
- ✕ Cyber and data compromise exposure
Who May Benefit
- Eligible small and mid-sized businesses
- Businesses with a physical location and inventory
- Operations seeking a combined property and liability package
- Owners who want a simpler starting point for coverage conversations
Business Owners Policy — Frequently Asked Questions
Ready to talk about BOP?
Share how your business operates and start a conversation with a Dallas-Fort Worth commercial insurance professional.
Availability, eligibility, underwriting company, terms, and coverage options vary. Speak with the agency to determine which products may be available for your business.
Some commercial insurance products may be offered by, administered by, or referred to third-party companies that are not affiliated with Texas Business Insurance. Each insurer is solely responsible for the products it issues and its financial obligations.
Protect the Business You've Worked to Build.
Tell us how your company operates and start a conversation with a Dallas-Fort Worth commercial insurance professional.
Our Dallas-Fort Worth team responds within one business day.