What a BOP includes (and what it doesn't)
Included: general liability, commercial property, and business income/interruption. Not included: workers' comp (legally separate), professional liability/E&O, commercial auto, cyber, or flood. Most BOPs let you bolt on endorsements — data breach and equipment breakdown are the two worth pricing.
- • Insure property at replacement cost, not actual cash value.
- • Business-interruption coverage uses your revenue — keep it current.
- • Landlords often require tenants to carry $1M GL anyway — the BOP satisfies it.
Related guides
Long-form playbooks on the same topic, written by the RevenueLab editorial team.
FAQ
How much does a BOP cost?
Most small businesses pay $1,200–3,500/year. Low-risk offices can be under $1,000; restaurants and contractors with significant property run $4,000–8,000+.
Is a BOP cheaper than separate policies?
Yes, typically 15–20% cheaper than buying general liability and commercial property separately, plus you get business-interruption coverage bundled in.
Does a BOP cover my employees?
No — employee injuries are workers' compensation, a legally separate policy in every state. Employee lawsuits need EPLI. Both are commonly purchased alongside a BOP.
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