Business Owners Policy

Business Owners Policy (BOP)

A BOP bundles commercial property and general liability into one affordable policy — ideal for small to mid-sized Florida businesses. Save 15-30% compared to buying separate policies.

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Coverage Options

Commercial Property

Covers your building, equipment, inventory, and furniture from fire, theft, and disasters.

General Liability

Protection from third-party bodily injury and property damage claims.

Business Interruption

Replaces lost income if your business is forced to close due to a covered event.

Equipment Breakdown

Covers repair or replacement of essential business equipment and systems.

BY INDUSTRY
Retail StoresRestaurantsOfficesProfessional Services
WHY ACCESS INSURANCE
Save 15-30% vs. separate property + liability policies
Compare BOP rates from 55+ carriers
Customizable coverage limits and endorsements
Business interruption income replacement included
Add cyber liability, professional liability, or umbrella
Certificates of insurance issued same-day

Frequently Asked Questions

What is a Business Owners Policy?

A BOP bundles commercial property insurance and general liability insurance into a single, discounted policy. It's designed for small to mid-sized businesses and often includes business interruption coverage.

Who qualifies for a BOP?

Most small to mid-sized businesses qualify — retail stores, offices, restaurants, service providers, and more. Very large businesses or high-risk industries may need separate commercial policies.

How much does a BOP cost in Florida?

BOPs typically range from $500-$3,500/year depending on your business type, location, revenue, and coverage limits. Bundling saves 15-30% compared to buying property and liability separately.