# What is a business owners policy (BOP)? *Reviewed 2026-05-15* ## 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. ## Related - [Insurance coverage options](/insurance) - [Contact our team](/contact)