Coverage
Business Owners
Policy (BOP)
A BOP packages general liability with commercial property and business income for eligible small and mid-size businesses, often at a lower cost than buying the pieces separately.
Coverage
What a policy
usually includes
01
General liability
02
Building, contents, and equipment
03
Business income and extra expense
04
Equipment breakdown and spoilage options
05
Optional cyber and employment practices endorsements
What to watch for
- Eligibility depends on class of business, square footage, and revenue.
- Business income limits should reflect a realistic rebuild and downtime period.
- Not every operation qualifies — some need a monoline liability and property program.
Please note
Kriener Agency is a licensed insurance agency. Coverage descriptions on this site are general summaries for information only and do not amend, extend, or alter any policy. Coverage, terms, discounts, and availability vary by carrier, state, and applicant, and are subject to underwriting approval. Only the issued policy determines what is covered. Submitting a request does not bind, alter, or cancel coverage.
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Business Owners Policy (BOP)
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- Dwelling and other structures
- Personal property and scheduled valuables
- Loss of use / additional living expense