Best Business Owner's Policy Insurance in 2025
Find the right coverage for your business owner's policy
Highly rated carriers. Handpicked for small businesses.
Why Choose MoneyGeek for Business Owner's Policy Insurance
Independent & Unbiased
We don’t sell policies. Our research is based on facts and real data.
Expert Insights
Our analysts review thousands of rate filings across states to ensure accuracy.
Trusted Nationwide
Millions of readers rely on MoneyGeek for clear, reliable financial guidance.
Transparent Comparisons
We explain not just the cost, but what coverage means for you.
Frequently Asked Questions
What's included in a business owner's policy?
A BOP typically includes general liability insurance, commercial property insurance, and business interruption coverage. Some policies also include cyber liability, equipment breakdown, and crime coverage. The exact inclusions vary by insurer and policy type.
How much does BOP insurance cost?
BOP insurance typically costs $1,200-$3,000 annually for small businesses. Office-based businesses often pay on the lower end, while retail stores and restaurants may pay more due to higher property values and liability risks. Your cost depends on industry, location, coverage limits, and property values.
What businesses can't get a BOP?
BOPs aren't available for high-risk businesses like bars, auto dealerships, financial services, or construction companies. Most insurers also exclude businesses with over $1 million in annual revenue or more than 100 employees. These businesses need customized commercial insurance packages.
Can I add other coverages to my BOP?
Yes, you can add endorsements like cyber liability, employment practices liability, or professional liability to your BOP. You can also increase coverage limits or add specialized protection for equipment, inventory, or business income.
Is a BOP better than separate policies?
BOPs work well for small businesses with standard insurance needs because they offer convenience and cost savings. However, businesses with unique risks or high coverage requirements might get better protection with separate, customized policies.