Your guide to
Business Owners Policy (BOP) in Texas
A business owners policy brings key protections for a small business together in one package. Our agency helps you understand what a BOP includes, what it leaves out, and whether it fits your business.
What it covers
What a business owners policy usually includes
A BOP generally packages property and liability coverage, and many policies include business income protection. What is included, and the limits, vary by policy.
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Business property
Helps cover a building you own, plus equipment, inventory and furniture, after a covered loss such as fire or theft.
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General liability
Helps protect your business if a customer or other person claims your business caused an injury or damaged their property.
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Business income
If a covered loss forces you to close for a while, it can help replace lost income and pay ongoing expenses.
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Extra expense
Can help pay reasonable added costs to keep operating after a covered loss, such as using a temporary location.
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Medical payments
Can pay minor medical bills for people hurt at your business, regardless of fault, depending on the policy.
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Optional add-ons
Many BOPs can be tailored with endorsements, such as equipment breakdown or employee dishonesty coverage.
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Why it matters
Know where a BOP stops
A BOP can be a practical, simpler way for a smaller business to carry core property and liability protection. Insurers generally decide eligibility based on factors like the type of business, its size and its risks.
A BOP does not usually include workers' compensation, commercial auto or professional liability, and in many cases it does not include broad cyber coverage. Those are often separate policies. We can review what your business does and help you see where a BOP fits.
If your work vehicles, your employees or your professional advice create risk, a BOP alone may leave gaps.
Is it a fit?
Businesses that often consider a BOP
- Retail shops
- Restaurants and cafés
- Small offices
- Salons and personal services
- Small wholesalers
- Some contractors
Usually handled by a separate policy
- Workers' compensation
- Commercial auto
- Professional liability (E&O)
- Flood damage
- Broad cyber coverage
Answers
Business owners policy questions
Straight answers to common questions. If yours is not here, call or text our agency.
It depends on the insurer and on factors such as your type of business, its size and its operations. We can review your business with you and explain your options.
No. A BOP generally includes general liability plus property coverage, and often business income protection. A general liability policy on its own does not cover your property.
Generally no. Injuries to your employees on the job are typically addressed by workers' compensation or other employer coverage, which is separate from a BOP.
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Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.