Best Business Owners Policy (BOP) Insurers

Secure top-rated coverage for small business owners. Match with the best BOP insurers for your business and get up to 25% bundled savings.

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Trusted by 1.4M+ businesses annually • 11k+ reviews (4.8★)

Overall Best Pick

Custom-made business owners policies with dedicated agent support.

Best for: Consulting, retail, finance, tech, and brick & mortar businesses.

9.8

Excellent

On The Hartford's site

Tailored online BOP coverage for a variety of professions available.

Best for: Retail, cleaning, food & beverage, construction, contracting, and higher-risk businesses

9.6

Excellent

On ERGO NEXT's site

Cost-effective and reliable small business insurance solutions.

Best for: Select businesses seeking affordable, straightforward coverage through Tivly.

9.2

Very Good

On biBerk's site

Work with a dedicated agent to find tailored BOP coverage across insurers.

Best for: Businesses that want help comparing options or speaking to a licensed agent

8.8

Good

On Tivly's site

What is BOP Insurance?

A Business Owners Policy (BOP) bundles general liability, commercial property, and business interruption coverage into one affordable policy, saving small businesses money versus buying separate policies. Though they exclude workers' compensation and professional liability, you can add them as endorsements.

BOP policies cover: liability claims, property damage and lost income.

To qualify for BOP insurance, your business must have fewer than 100 employees, under $5 million in annual revenue and low-risk operations.

Secure Your BOP in Four Simple Steps

Step 1

Share your industry and state of operation

Step 2

Match with the nation's top-rated insurers

Step 3

Complete your quote online in 5-10 minutes

Step 4

Purchase instantly or hop on a call with an agent

Which BOP Insurer is Best For Your Business?

Most business owners don't realize that no single insurer fits every business. The right liability insurance provider depends on your industry, state, and unique risks.

We know what it's like to spend hours researching options that never work out. So we do the legwork to recommend the providers built for your business. Learn about our most-matched insurers below.

Best for: Finance, tech, consulting, healthcare, education and established professional businesses

✓ 200+ years of experience
✓ Strong reputation for claims handling
✓ Great fit for professional and lower-risk businesses

Why businesses choose it:
If you work in consulting, healthcare, finance, tech or another professional industry, The Hartford is one of the most dependable choices available. Their long track record, strong claims reputation and broad small business expertise make them a common fit for businesses that value stability and established coverage.

Many businesses also prefer The Hartford because policies can often be purchased online or through licensed support if you want extra guidance.
Best for: Construction, contracting, cleaning, food & beverage, retail and higher-risk businesses

✓ Fast online buying experience
✓ Competitive pricing for physical-risk industries
✓ Certificates available quickly in many cases

Why businesses choose it:
ERGO NEXT is often a strong fit for businesses that involve hands-on work, physical risk or jobsite exposure. Contractors, cleaning businesses, retail operations and food service companies frequently need coverage that accounts for bodily injury, property damage and day-to-day operational risk.

Businesses that need proof of insurance quickly, such as contractors needing a certificate for a job, often like the speed and simplicity of the buying experience.
Best for: Small businesses seeking affordable, straightforward coverage

✓ Backed by Berkshire Hathaway
✓ Simple quote process
✓ Often competitive pricing for lower-risk businesses

Why businesses choose it:
biBERK is frequently a good option for small businesses that want dependable liability protection without unnecessary complexity. It tends to work especially well for lower-risk businesses and owners looking for a simple online process with competitive pricing.

Because biBERK is backed by Berkshire Hathaway, many business owners also view it as a strong long-term coverage option.
Best for: Freelancers, consultants, solo professionals and service businesses

✓ Flexible coverage for small businesses
✓ Strong professional liability fit
✓ Popular among independent professionals

Why businesses choose it:
Hiscox is commonly chosen by freelancers, consultants and solo operators who want flexible business coverage without paying for more than they need. It is particularly popular among service businesses and professionals that may need a mix of general liability and professional liability protection.

For many self-employed professionals, Hiscox offers a straightforward way to get covered quickly.
Best for: Businesses that want help comparing options or speaking to a licensed agent

✓ Licensed experts help match coverage
✓ Support across many business types
✓ Helpful for businesses unsure where to start

Why businesses choose it:
Some business owners prefer extra help instead of navigating coverage choices on their own. Tivly can be a strong option for businesses that want guidance comparing providers or speaking with a licensed expert to understand what type of policy makes sense.

What will your coverage cost?

Your rate depends on your industry and risk profile, meaning a roofing contractor and a business consultant have very different exposure. Here's what small businesses typically pay for a standard $1M/$2M policy, the most common coverage level:

Typical monthly cost: $35–$95
Risk level: Moderate

Common businesses:
• House cleaning services
• Office cleaning companies
• Window washing businesses
• Janitorial providers

Common risks:
• Property damage while working onsite
• Slip-and-fall incidents
• Equipment-related claims

Cleaning businesses often sit in the middle of the risk spectrum: lower risk than construction, but higher exposure than professional office-based businesses.
Typical monthly cost: $120 – $250+
Risk level: High

Common businesses:
• Roofing
• HVAC
• Plumbing
• Electrical
• Handyman services

Common risks:
• Bodily injury claims
• Property damage
• Jobsite-related incidents

Construction and skilled trades businesses typically carry higher premiums because of physical jobsite risk and higher claim severity potential.
Typical monthly cost: $60 – $140
Risk level: Moderate–High

Common businesses:
• Therapists
• Wellness clinics
• Trainers
• Health practitioners

Common risks:
• Professional claims
• Client injuries
• Liability exposure

Healthcare and wellness businesses may face both professional liability and general liability risks, which can increase pricing depending on services offered.
Typical monthly cost: $45-$100
Risk level: Low–Moderate

Common businesses:
• Consultants
• Agencies
• Accountants
• Designers

Common risks:
• Errors and omissions claims
• Client disputes
• Professional mistakes

Professional businesses generally benefit from lower general liability costs, though professional liability coverage may also be important depending on the work performed.
Typical monthly cost: $110-$225
Risk level: High

Common businesses:
• Restaurants
• Cafes
• Catering companies
• Hospitality services

Common risks:
• Customer injuries
• Property damage
• Food-related liability

Because restaurants and hospitality businesses involve public spaces and customer interaction, coverage costs are often higher than lower-risk service businesses.
Typical monthly cost: $65-$110
Risk level: Moderate

Common businesses:
• Retail stores
• E-commerce shops
• Consumer product sellers

Common risks:
• Product liability
• Customer injury claims
• Property-related incidents

Retail businesses often fall in the middle of the risk spectrum, though pricing can vary based on product type and operational complexity.

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