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.
Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.
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.
Common questions.
What does a business owners policy cover?
Does a BOP include E&O or cyber?
Is a BOP enough for my firm?
Is this coverage right on your policy?
Tell us your services, clients, and the data you handle and we will check this coverage against how your firm operates. Educational, no obligation.
Build the foundation, then the program.
Tell us about your firm and we will package the BOP and add the coverages you actually need.