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Frequently Asked Questions
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Best Business Owner's Policy Insurance in 2025
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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.
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.
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.
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.
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.