Can a contractor use a Business Owners Policy?

Smaller, lower-hazard contractors with business property often can. Higher-hazard trades and larger operations are usually written on a commercial package instead. We confirm the fit.

Does a BOP cover my tools on the jobsite?

Often not adequately. A BOP's property coverage is location-based, so jobsite and off-premises tools and equipment usually need inland marine. We add it.

Does a BOP include workers comp or auto?

No. Those are separate policies. A BOP covers property and general liability, and we line up the rest.

Is a BOP cheaper than separate policies?

For eligible contractors, bundling property and liability is usually efficient. The savings only hold if the BOP actually fits your operation, which we confirm.

Contractor Business Owners Policy

Property and liability bundled for smaller contractors.

For smaller, lower-hazard contractors with an office, a shop, or business property, a Business Owners Policy can bundle general liability and property into one efficient policy. It is a clean core for the right contractor, with clear limits on where it fits.

Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.

A Business Owners Policy bundles commercial property and general liability, and usually business income, into one policy. For eligible smaller contractors it is an efficient core, but it has limits, jobsite property, vehicles, and employees are handled separately, and not every contractor qualifies.

When a BOP fits a contractor

A BOP suits smaller, lower-hazard contractors with predictable operations and some business property, an office, a shop, inventory, or equipment at a fixed location. It packages property and general liability efficiently and often includes business income. Higher-hazard trades and larger operations are usually written on a commercial package or monoline policies instead.

What it does not include

A BOP is a foundation, not the whole program. It does not include workers compensation, commercial auto, or, in many cases, adequate jobsite and off-premises property coverage, which is where tools, equipment, and inland marine come in. Knowing the edges of the BOP is how you avoid assuming you are covered for jobsite property or vehicles you are not.

How we handle it

We confirm a BOP is the right structure for your size and hazard, set the property and liability limits correctly, and then line up what it leaves out, workers comp, auto, tools and equipment, and any contract-required coverages, so the foundation and the additions work as one program.

Property and liability bundled for smaller contractors.

When a BOP fits a contractor

What it does not include

How we handle it

Common questions.

Does a BOP actually fit your operation?

Keep going.

General Liability

Tools & Equipment

Coverage Review

Build the core, then fill the gaps.