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.
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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.
Common questions.
Can a contractor use a Business Owners Policy?
Does a BOP cover my tools on the jobsite?
Does a BOP include workers comp or auto?
Is a BOP cheaper than separate policies?
Does a BOP actually fit your operation?
BOPs suit some contractors and leave gaps for others. We confirm the fit and line up what it excludes.
Build the core, then fill the gaps.
Tell us about your operation and we will confirm whether a BOP fits and line up the rest.