Short answer
A business owners policy, or BOP, bundles common coverages most small businesses need into one package, typically general liability and commercial property, often at a lower combined cost than buying them separately. It is built for small and mid-sized lower-risk businesses, and you can usually add coverages like business interruption to fit your operation.
A BOP is a convenience package. Instead of buying general liability and commercial property as separate policies, a BOP combines them, which is often simpler and cheaper for a qualifying small business. Many include business interruption coverage that helps replace income if a covered event shuts you down.
BOPs are designed for lower-risk operations within certain size limits, so larger or higher-risk businesses may need standalone policies instead. Coverages like professional liability, workers' compensation, and commercial auto are typically added or bought separately.
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