What does a business owners policy cover?

It packages general liability and business property, and often business income, into one policy. It is an efficient foundation for a small firm's premises and property.

Does a BOP include E&O or cyber?

Generally no. A BOP covers general liability and property, not professional liability or cyber, which professional firms usually add separately. Treating a BOP as complete is a common gap.

Is a BOP enough for my firm?

It is a foundation, not a full program. Most professional firms add E&O, cyber, and other coverages on top. We build the coordinated program around it.

Professional Services Business Owners Policy

Business owners policy (BOP) for professional service firms.

A business owners policy packages general liability and business property into one efficient policy for small professional firms. It is a foundation, but it does not include E&O or cyber, the coverages firms need most.

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A business owners policy (BOP) bundles general liability and business property, and sometimes business income, into a single policy for small firms. It is an efficient foundation, but it does not include professional liability (E&O) or cyber, which professional firms generally add separately.

What a BOP packages

A BOP combines general liability with coverage for your business property, office contents, equipment, furniture, sometimes tenant improvements, and often business income, into one convenient, cost-effective policy. For a small professional firm, it is an efficient way to cover the premises-and-property basics.

What a BOP leaves out

The critical point is what a BOP does not include: professional liability and cyber, the two coverages most professional firms actually need most. A BOP is a foundation for the physical side of the business, not a complete program, and treating it as everything is a common gap.

Building the full program

We use a BOP as the efficient base for general liability and property, then add E&O, cyber, and other coverages, workers comp, crime, EPLI, umbrella, as the firm's services, data, and team require. The goal is a coordinated program, not a single policy that looks complete but is not.

Business owners policy (BOP) for professional service firms.

What a BOP packages

What a BOP leaves out

Building the full program

Common questions.

Is this coverage right on your policy?

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General Liability

Professional Liability (E&O)

Professional Services Coverage Review

Build the foundation, then the program.